RACQ Bank home loans
4 home loans with 15 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Fair Dinkum Home LoanNo ongoing fee6.54%
- Mortgage Saver Home LoanRedraw · no ongoing fee6.68%
- Mortgage BreakerOffset account · redraw · no ongoing fee6.78%
- Fixed Home LoanNo ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20268 changes
- 14Wed
- 2 Year Fixed Home Loan Investment Interest Only2-year fixed investor interest-only 7.06 → 7.2614 days after the RBA rise to 4.60%+0.20
- 3 Year Fixed Home Loan Investment Interest Only3-year fixed investor interest-only 7.06 → 7.2314 days after the RBA rise to 4.60%+0.17
- 5 Year Fixed Home Loan Investment2 variants up 0.13 to 0.1414 days after the RBA rise to 4.60%+0.13 to +0.14All 5yr Fixed · P&I · Investor
≤90% LVR 7.13 7.27 +0.14 90–95% LVR 7.36 7.49 +0.13 - Fair Dinkum Home Loan5 variants up 0.2514 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
≤60% LVR 6.14 6.39 +0.25 60–70% LVR 6.24 6.49 +0.25 70–80% LVR 6.29 6.54 +0.25 80–90% LVR 6.44 6.69 +0.25 90–95% LVR 6.64 6.89 +0.25 - 5 Year Fixed Home Loan Investment Interest Only5-year fixed investor interest-only 7.13 → 7.2714 days after the RBA rise to 4.60%+0.14
- 2 Year Fixed Home Loan Owner Occupier2 variants up 0.2014 days after the RBA rise to 4.60%+0.20All 2yr Fixed · P&I · Owner-occupier
≤90% LVR 6.78 6.98 +0.20 90–95% LVR 6.89 7.09 +0.20 - 1 Year Fixed Home Loan Investment Interest Only1-year fixed investor interest-only 7.07 → 7.2914 days after the RBA rise to 4.60%+0.22
- Fair Dinkum Investment Home Loan5 variants up 0.2514 days after the RBA rise to 4.60%+0.25All Variable · P&I · Investor
≤60% LVR 6.34 6.59 +0.25 60–70% LVR 6.44 6.69 +0.25 70–80% LVR 6.49 6.74 +0.25 80–90% LVR 6.64 6.89 +0.25 90–95% LVR 6.84 7.09 +0.25
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on RACQ Bank home loans
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As of 1 November 2026, RACQ Bank has four home loan products in 50 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.54% (Fair Dinkum Home Loan), ranking 51st of 93 variable owner-occupier P&I loans and sitting 0.04 points below the market average of 6.58%. Its rates last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.