Lender profile · Home loans
LiveRACQ Bank home loans
RACQ Bank also offers savings accounts, term deposits and personal loans · Provider overview →
As of 18 September 2026, RACQ Bank has 18 home loan products in 53 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.29% (Fair Dinkum Home Loan), ranking 38th of 107 variable owner-occupier P&I loans and sitting 0.47 points below the market average of 6.76%.
- Lowest comparison rate
- 6.29%
- Fair Dinkum Home Loan
- Market rank
- #38
- of 107 variable owner-occupier P&I loans
- Products
- 18
- 53 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- Fair Dinkum Home Loan
- Fair Dinkum Investment Home Loan
- Mortgage Saver Home Loan
- Mortgage Breaker Owner Occupied
- Mortgage Breaker Investment
- Mortgage Breaker Investment Interest Only
- 1 Year Fixed Home Loan Owner Occupier
- 2 Year Fixed Home Loan Owner Occupier
- 3 Year Fixed Home Loan Owner Occupier
- 5 Year Fixed Home Loan Owner Occupier
- 3 Year Fixed Home Loan Investment Interest Only
- 2 Year Fixed Home Loan Investment
- 3 Year Fixed Home Loan Investment
- 2 Year Fixed Home Loan Investment Interest Only
- 1 Year Fixed Home Loan Investment
- 1 Year Fixed Home Loan Investment Interest Only
- 5 Year Fixed Home Loan Investment
- 5 Year Fixed Home Loan Investment Interest Only
What changed
No changes recorded for RACQ Bank's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 6
Variable · P&I · Owner-occupier · 70–80% LVR · no ongoing fee · 5 variants
6.29%#38 of 107comparison · 6.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · no ongoing fee · 5 variants
6.34%#8 of 81comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 6 variants
6.43%#53 of 107comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · no ongoing fee · 6 variants
6.53%#63 of 107comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · no ongoing fee · 6 variants
6.58%#33 of 81comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤60% LVR · no ongoing fee · 5 variants
6.58%#19 of 80comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 12
1yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
1y 6.78%6.78%#26 of 49comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
2y 6.78%6.78%#27 of 49comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
3yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
3y 6.78%6.78%#28 of 50comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
5y 6.87%6.87%#29 of 49comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
3yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.06%#29 of 44comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.06%#27 of 45comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
3yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.06%#27 of 45comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.06%#30 of 45comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.07%#25 of 43comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.07%#28 of 44comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.13%#22 of 42comparison · 7.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.13%#26 of 42comparison · 7.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on RACQ Bank home loans
to leave a note.