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Home loan · Variable

Fair Dinkum Home Loan

Loan for
Deposit

6.54%comparison rate p.a. · 6.54% advertised

Variable · P&I · Owner-occupier · 70–80% LVR

51st of 93 variable owner-occupier P&I loans

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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.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$300
Compare all 321 home loans
Compare RACQ Bank Fair Dinkum side by side

Variable · P&I · Owner-occupier · ≤60% LVR
6.39% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 60–70% LVR
6.49% comparison · 6.49% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
6.54% comparison · 6.54% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.69% comparison · 6.69% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
6.89% comparison · 6.89% advertised
Variable · P&I · Investor · ≤60% LVR
6.59% comparison · 6.59% advertised
Variable · P&I · Investor · 60–70% LVR
6.69% comparison · 6.69% advertised
Variable · P&I · Investor · 70–80% LVR
6.74% comparison · 6.74% advertised
Variable · P&I · Investor · 80–90% LVR
6.89% comparison · 6.89% advertised
Variable · P&I · Investor · 90–95% LVR
7.09% comparison · 7.09% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$300

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$20,000

  • Fair Dinkum Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.54% p.a. today

October 20262 changes

  1. 14Wed
    • 5 variants up 0.2514 days after the RBA rise to 4.60%
      All Variable · P&I · Owner-occupier
      ≤60% LVR6.146.39+0.25
      60–70% LVR6.246.49+0.25
      70–80% LVR6.296.54+0.25
      80–90% LVR6.446.69+0.25
      90–95% LVR6.646.89+0.25
      +0.25
    • 5 variants up 0.2514 days after the RBA rise to 4.60%
      All Variable · P&I · Investor
      ≤60% LVR6.346.59+0.25
      60–70% LVR6.446.69+0.25
      70–80% LVR6.496.74+0.25
      80–90% LVR6.646.89+0.25
      90–95% LVR6.847.09+0.25
      +0.25

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.

Also from RACQ Bank: Mortgage Saver Home Loan 6.68% · Mortgage Breaker 6.78% · Fixed Home Loan 6.96%

As of 2 November 2026, the RACQ Bank Fair Dinkum Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.54% (6.54% advertised), ranking 51st of 93 variable owner-occupier P&I loans and sitting 0.04 points below the market average of 6.58%. The product comes in 10 variants; the others are investor and other LVR bands. Its rate 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.