RateCity.com.au
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86 400

Fixed Home Loan

Advertised Rate

2.09

% p.a

Fixed - 2 years

Comparison Rate*

2.91

% p.a

Maximum LVR
85%
Real Time Rating™

3.45

/ 5
Monthly Repayment

$1,285

based on $300,000 loan amount for 25 years at 2.09%

Advertised Rate

2.09

% p.a

Fixed - 2 years

Comparison Rate*

2.91

% p.a

Maximum LVR
85%
Real Time Rating™

3.45

/ 5
Monthly Repayment

$1,285

based on $300,000 loan amount for 25 years at 2.09%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,285

based on $300,000 loan amount for 25 years at 2.09%

86 400 home loans are available through brokers who can help find the right loan and manage your application at no charge.

Matthew Hayes

5.0
17 Reviews

Get expert advice from a home loans specialist.

Matthew grew up in Canberra, graduating from Erindale College. As part of the Talented Sports Program for Rugby Union, Matthew developed skills in planning, preparation and execution, skills which he utilises as a mortgage broker to help his clients reach and attain their goals. Matthew is friendly and professional, always ensuring his time with you is stress free and pleasant. He does the hard work for you, helping you find the loan which suits you best. Matthew is dedicated to providing his clients with the best possible service, accommodating you at any time, any location, any day of the week.

Response time: in 10 hours | Our brokers call during business hours between 9.00am to 6.00pm.

Frances Geoghegan

5.0
9 Reviews

Get expert advice from a home loans specialist.

Frances has over 10 years of experience in the finance industry starting her career with GE Capital. After leaving GE 6 years ago, Frances moved into mortgage broking and quickly realised her passion for helping clients achieve their financial dreams. Frances has been with Growth Point Capital for over 2 years and is currently running our Residential Division. She is cross trained in residential mortgages, commercial loans, private finance, personal loans, and car loans. We are accredited with over 20 lenders and have access to obtain anyone on Connective’s panel.

Response time: in 42 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

Quick home loan review

For Fixed Home Loan 2 year (Principal and Interest) (LVR 80%-85%)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%

These are the drawbacks of this home loan.

  • Limited extra repayments
  • No redraw and no offset
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • No repayment holidays

Home loan overview

For Fixed Home Loan 2 year (Principal and Interest) (LVR 80%-85%)

TMD

Details

Maximum LVR

85%

Total Repayments

Next LVR

Interest rate type

Fixed - 2 years

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $20000

Redraw facility

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

250

Application fee

250

Valuation fee

$0

Settlement fee

0

Other upfront fee

0

Ongoing fee

$250 annually

Discharge fee

0

Application method

Online

Phone

In branch

Target Market Determination

Visit 86 400 to view Target Market Determination.

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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $100k to $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 85 percent, which means it requires a minimum deposit of 15 percent

What's the maximum length for this loan?

86 400 allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

86 400 allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $250 worth of upfront fees.

Does this loan come with a redraw facility?

No, this loan doesn't come with a redraw facility.

Where can you apply for this loan?

86 400 makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this 86 400 loan is available through a broker. Find a broker to help you with your needs.