RateCity.com.au
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86 400

Fixed Home Loan

Advertised Rate

3.04

% p.a

Fixed - 5 years

Comparison Rate*

2.91

% p.a

Maximum LVR
80%
Real Time Rating™

1.43

/ 5
Monthly Repayment

$1,429

based on $300,000 loan amount for 25 years at 3.04%

Advertised Rate

3.04

% p.a

Fixed - 5 years

Comparison Rate*

2.91

% p.a

Maximum LVR
80%
Real Time Rating™

1.43

/ 5
Monthly Repayment

$1,429

based on $300,000 loan amount for 25 years at 3.04%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,429

based on $300,000 loan amount for 25 years at 3.04%

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.

Tedjo Hadiwidjojo

5.0
14 Reviews

Get expert advice from a home loans specialist.

An experienced mortgage broker with over 15 years in the finance industry, dedicating to finding the right loan product from a wide range of lenders to meet your lending requirement. I pride myself to provide Speed, Convenience and adding Value to my clients. Buying property whether it’s your home or investment comes with complex choices and can be daunting. There are a lot of variables to consider when choosing the right loans. With my experience as a mortgage broker and an investor myself, I will recommend you the best lender and guide you through the process to get you the best possible loan option and lending rates.

Response time: in 36 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

Quick home loan review

For Fixed Home Loan 5 year (Interest Only) (LVR < 80%)

These are the benefits of this home loan.

    These are the drawbacks of this home loan.

    • Limited extra repayments
    • No redraw and no offset
    • Higher than average interest rate
    • 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 5 year (Interest Only) (LVR < 80%)

    TMD

    Details

    Maximum LVR

    80%

    Total Repayments

    Next LVR

    Interest rate type

    Fixed - 5 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.

    Embed

    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 80 percent, which means it requires a minimum deposit of 20 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.