As of 18 September 2026, the RACQ Bank 5 Year Fixed Home Loan Owner Occupier's 5-year fixed owner-occupier P&I variant has a comparison rate of 6.87% (6.94% advertised), ranking 29th of 49 5-year fixed owner-occupier P&I loans. The product comes in 2 variants; the other is other LVR bands.
6.87%comparison rate p.a.
6.94% advertised · 5yr Fixed · P&I · Owner-occupier · ≤90% LVR
1 other variant: other LVR bands below.
Rate over time
Comparison rate · 5yr Fixed · P&I · Owner-occupier · ≤90% LVR- 5 Year Fixed Home Loan Owner Occupier · 5yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 5yr Fixed · P&I · Owner-occupier · ≤90% LVR
- 6.87% comparison · 6.94% advertised
- 5yr Fixed · P&I · Owner-occupier · 90–90% LVR
- 7.10% comparison · 7.44% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
About this product
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.