As of 18 September 2026, the RACQ Bank Fair Dinkum Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.29% (6.29% advertised), ranking 38th of 107 variable owner-occupier P&I loans and sitting 0.47 points below the market average of 6.76%. The product comes in 5 variants; the others are other LVR bands.
6.29%comparison rate p.a.
6.29% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
4 other variants: other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Fair Dinkum Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.14% comparison · 6.14% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.24% comparison · 6.24% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.29% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.44% comparison · 6.44% advertised
- Variable · P&I · Owner-occupier · 90–90% LVR
- 6.64% comparison · 6.64% 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 Fair Dinkum home loan is a basic home loan with a lower variable rate, no ongoing fees and unlimited additional repayments without the extras like a redraw facility and offset account.