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86 400 home loan repayment calculator
Thinking about taking out a home loan with 86 400? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how 86 400 home loans compare with other options.
Your estimated mortgage repayments
at interest rate 1.84%
Total interest payable
$0
Total loan repayments
$0
86 400 home loans rates
Product | Advertised Rate  2.19 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.20 % p.a | Ongoing fee $250 annually | Go to site | More details |
Product | Advertised Rate 2.29 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.30 % p.a | Ongoing fee $250 annually | Go to site | More details |
Product | Advertised Rate 2.34 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.35 % p.a | Ongoing fee $250 annually | Go to site | More details |
Product | Advertised Rate 2.44 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.45 % p.a | Ongoing fee $250 annually | Go to site | More details |
Product | Advertised Rate 2.54 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.55 % p.a | Ongoing fee $250 annually | Go to site | More details |
Advertised Rate 1.99 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.58 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 1.89 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.59 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Product | Advertised Rate 2.84 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.60 % p.a | Ongoing fee $250 annually | Go to site | More details |
Advertised Rate 1.99 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.62 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 1.84 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.63 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 1.89 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.63 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Product | Advertised Rate 2.64 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.65 % p.a | Ongoing fee $250 annually | Go to site | More details |
Product | Advertised Rate 2.84 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.66 % p.a | Ongoing fee $250 annually | Go to site | More details |
Advertised Rate 1.84 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.67 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.39 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.68 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 1.99 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.69 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 1.89 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.72 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.50 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.72 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.72 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.73 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.50 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.75 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.75 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 1.84 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.76 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.76 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Product | Advertised Rate 2.94 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.76 % p.a | Ongoing fee $250 annually | Go to site | More details |
Advertised Rate 2.24 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.79 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.79 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.79 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.81 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.50 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.81 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.54 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.82 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.82 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.83 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.49 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.83 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.89 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.83 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.84 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.85 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.85 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.86 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.59 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.87 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.88 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.04 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.88 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.90 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.49 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.90 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.94 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.90 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.99 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.90 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.04 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.91 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.92 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.93 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.93 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 2.94 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.69 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.97 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.84 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.97 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 2.98 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.49 % p.a Fixed - 3 years | Total estimated upfront fees $250 | Comparison Rate* 2.98 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.04 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 2.98 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.99 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 2.99 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Fixed - 2 years | Total estimated upfront fees $250 | Comparison Rate* 3.00 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.04 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 3.01 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.14 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 3.01 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.24 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 3.02 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.44 % p.a Fixed - 1 year | Total estimated upfront fees $250 | Comparison Rate* 3.03 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.84 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 3.03 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.99 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 3.05 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.79 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 3.07 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.04 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 3.07 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 2.84 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 3.08 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.04 % p.a Fixed - 5 years | Total estimated upfront fees $250 | Comparison Rate* 3.13 % p.a | Ongoing fee $250 annually | Go to site | More details | |
Advertised Rate 3.09 % p.a Variable | Total estimated upfront fees $250 | Comparison Rate* 3.15 % p.a | Ongoing fee $250 annually | Go to site | More details |
86 400 top home loans products
Learn more about home loans
What are the features of home loans for expats from Westpac?
If you’re an Australian citizen living and working abroad, you can borrow to buy a property in Australia. With a Westpac non-resident home loan, you can borrow up to 80 per cent of the property value to purchase a property whilst living overseas. The minimum loan amount for these loans is $25,000, with a maximum loan term of 30 years.
The interest rates and other fees for Westpac non-resident home loans are the same as regular home loans offered to borrowers living in Australia. You’ll have to submit proof of income, six-month bank statements, an employment letter, and your last two payslips. You may also be required to submit a copy of your passport and visa that shows you’re allowed to live and work abroad.
Why does Westpac charge an early termination fee for home loans?
The Westpac home loan early termination fee or break cost is applicable if you have a fixed rate home loan and repay part of or the whole outstanding amount before the fixed period ends. If you’re switching between products before the fixed period ends, you’ll pay a switching break cost and an administrative fee.
The Westpac home loan early termination fee may not apply if you repay an amount below the prepayment threshold. The prepayment threshold is the amount Westpac allows you to repay during the fixed period outside your regular repayments.
Westpac charges this fee because when you take out a home loan, the bank borrows the funds with wholesale rates available to banks and lenders. Westpac will then work out your interest rate based on you making regular repayments for a fixed period. If you repay before this period ends, the lender may incur a loss if there is any change in the wholesale rate of interest.
Does Australia have no-deposit home loans?
Australia no longer has no-deposit home loans – or 100 per cent home loans as they’re also known – because they’re regarded as too risky.
However, some lenders allow some borrowers to take out mortgages with a 5 per cent deposit.
Another option is to source a deposit from elsewhere – either by using a parental guarantee or by drawing out equity from another property.
Are bad credit home loans dangerous?
Bad credit home loans can be dangerous if the borrower signs up for a loan they’ll struggle to repay. This might occur if the borrower takes out a mortgage at the limit of their financial capacity, especially if they have some combination of a low income, an insecure job and poor savings habits.
Bad credit home loans can also be dangerous if the borrower buys a home in a stagnant or falling market – because if the home has to be sold, they might be left with ‘negative equity’ (where the home is worth less than the mortgage).
That said, bad credit home loans can work out well if the borrower is able to repay the mortgage – for example, if they borrow conservatively, have a decent income, a secure job and good savings habits. Another good sign is if the borrower buys a property in a market that is likely to rise over the long term.
How common are low-deposit home loans?
Low-deposit home loans aren’t as common as they once were, because they’re regarded as relatively risky and the banking regulator (APRA) is trying to reduce risk from the mortgage market.
However, if you do your research, you’ll find there is still a fairly wide selection of banks, credit unions and non-bank lenders that offers low-deposit home loans.
How will Real Time Ratings help me find a new home loan?
The home loan market is complex. With almost 4,000 different loans on offer, it’s becoming increasingly difficult to work out which loans work for you.
That’s where Real Time RatingsTM can help. Our system automatically filters out loans that don’t fit your requirements and ranks the remaining loans based on your individual loan requirements and preferences.
Best of all, the ratings are calculated in real time so you know you’re getting the most current information.
What are the benefits of getting a pre-approved home loan from Citibank?
While hunting for your dream home, getting a Citibank home loan pre-approval can have multiple benefits, which include:
- You'll have an idea on your personal price range, which can save time to find your home.
- With a pre-approved home loan, you may find yourself with more financial control to better decide how much you can spend.
- A Citibank pre-approved home loan is a commitment by a lender that signals you're ready to jump into the property market.
You can apply for pre-approval by providing basic details, such as name, email, and phone number on the bank’s website. Alternatively, you can contact the bank on 1300 361 922 or find a home lending officer on the website.
How to apply for a pre-approval home loan from Bendigo Bank?
Applying for pre-approval on your home loan gives you confidence in your ability to secure finance while looking at potential new homes. You can get a free and personalised pre-approval home loan from Bendigo Bank in just a few minutes, without any credit checks or paperwork.
Bendigo Bank offers pre-approval for home loans that allow you to understand the home loan size you may be able to get before looking for a new home.
With the pre-approval, Bendigo Bank provides an estimate of your borrowing power. This figure incorporates stamp duty, lenders mortgage insurance (LMI) and any first home buyer incentives you may be eligible for. You may also qualify for the First Home Loan Deposit Scheme initiative, depending on your circumstances.
To apply for a pre-approval on your home loan from Bendigo Bank, all you need to do is fill in a smart form. You could also contact the bank directly on 1300 236 344.
Can first home buyers apply for an ING home loan?
First home buyers can apply for an ING home loan, but first, they need to select the most suitable home loan product and calculate the initial deposit on their home loan.
First-time buyers can also use ING’s online tool to estimate the amount they can borrow. ING offers home loan applicants a free property report to look up property value estimates.
First home loan applicants struggling to understand the terms used may consider looking up ING’s first home buyer guide. Once the home buyer is ready to apply for the loan, they can complete an online application or call ING at 1800 100 258 during regular business hours.
Who offers 40 year mortgages?
Home loans spanning 40 years are offered by select lenders, though the loan period is much longer than a standard 30-year home loan. You're more likely to find a maximum of 35 years, such as is the case with Teacher’s Mutual Bank.
Currently, 40 year home loan lenders in Australia include AlphaBeta Money, BCU, G&C Mutual Bank, Pepper, and Sydney Mutual Bank.
Even though these lengthier loans 35 to 40 year loans do exist on the market, they are not overwhelmingly popular, as the extra interest you pay compared to a 30-year loan can be over $100,000 or more.
How can I get a home loan with bad credit?
If you want to get a home loan with bad credit, you need to convince a lender that your problems are behind you and that you will, indeed, be able to repay a mortgage.
One step you might want to take is to visit a mortgage broker who specialises in bad credit home loans (also known as ‘non-conforming home loans’ or ‘sub-prime home loans’). An experienced broker will know which lenders to approach, and how to plead your case with each of them.
Two points to bear in mind are:
- Many home loan lenders don’t provide bad credit mortgages
- Each lender has its own policies, and therefore favours different things
If you’d prefer to directly approach the lender yourself, you’re more likely to find success with smaller non-bank lenders that specialise in bad credit home loans (as opposed to bigger banks that prefer ‘vanilla’ mortgages). That’s because these smaller lenders are more likely to treat you as a unique individual rather than judge you according to a one-size-fits-all policy.
Lenders try to minimise their risk, so if you want to get a home loan with bad credit, you need to do everything you can to convince lenders that you’re safer than your credit history might suggest. If possible, provide paperwork that shows:
- You have a secure job
- You have a steady income
- You’ve been reducing your debts
- You’ve been increasing your savings
Where can I get all the information about an ANZ first home buyer’s loan?
As a first home buyer, you may require help and hand-holding, and as such ANZ has the buying your first home section on its website full of important information. ANZ also has a form in this section you can fill out to get a free consultation from an ANZ First Home Coach and create your own plan for buying your first home. This coach will help you understand where your current income is being spent and plan for your home loan repayments. You’ll get a clear picture of the costs involved in purchasing a property and how to budget or save for these costs. The coach will help you understand different deposit options and manage your accounts to enhance your savings.
There are three types of ANZ first home loans - Standard Variable, Fixed, and Equity Manager. The features, interest rates, and terms for each are different, and you can compare them here.
When they apply for an ANZ home loan, first home buyers can also get guidance on applying for the First Home Owner Grant (FHOG). This is a one-off government grant that may be available to you when you’re buying your first home. The eligibility criteria for FHOG differs between the different states and territories, which is why it’s helpful to have expert advice when applying.
Do the big four banks have guarantor home loans?
Yes, ANZ, Commonwealth Bank, NAB and Westpac all offer guarantor home loans. These mortgages are also offered by many other banks, credit unions and building societies.
How do I apply for a home improvement loan?
When you want to renovate your home, you may need to take out a loan to cover the costs. You could apply for a home improvement loan, which is a personal loan that you use to cover the costs of your home renovations. There is no difference between applying for this type of home improvement loan and applying for a standard personal loan. It would be best to check and compare the features, fees and details of the loan before applying.
Besides taking out a home improvement loan, you could also:
- Use the equity in your house: Equity is the difference between your property’s value and the amount you still owe on your home loan. You may be able to access this equity by refinancing your home loan and then using it to finance your home improvement. Speak with your lender or a mortgage broker about accessing your equity.
- Utilise the redraw facility of your home loan: Check whether the existing home loan has a redraw facility. A redraw facility allows you to access additional funds you’ve repaid into your home loan. Some lenders offer this on variable rate home loans but not on fixed. If this option is available to you, contact your lender to discuss how to access it.
- Apply for a construction loan: A construction loan is typically used when constructing a new property but can also be used as a home renovation loan. You may find that a construction loan is a suitable option as it enables you to draw funds as your renovation project progresses. You can compare construction home loans online or speak to a mortgage broker about taking out such a loan.
- Look into government grants: Check whether there are any government grants offered when you need the funds and whether you qualify. Initiatives like the HomeBuilder Grant were offered by the Federal Government for a limited period until April 2021. They could help fund your renovations either in full or just partially.
How do I get a pre-approved home loan with Aussie?
Getting Aussie home loan pre-approval means receiving conditional support from Aussie Home Loans to borrow the money you need to buy a home.
It’s an indication of the approximate amount Aussie may offer you, subject to some terms and conditions. Keep in mind, having a pre-approved home loan does not guarantee an actual approval of your loan when it comes time to buy.
Aussie home loan pre-approval often involves speaking to one of the lender’s brokers. You can make an appointment online. You’ll often have to submit your personal details and other information about your assets, income, liabilities and expenses. It’s worth remembering that a pre-approved loan is usually valid for a few months.
