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Home loan · 3yr Fixed

Fixed Home Loan

Rate
Loan for
Repayments
Deposit

6.96%comparison rate p.a. · 6.74% advertised

3yr Fixed · P&I · Owner-occupier · ≤90% LVR

34th of 50 3-year fixed owner-occupier P&I loans

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The same choices at every rate type

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 Fixed Rate Home Loan side by side

1yr Fixed · P&I · Owner-occupier · ≤90% LVR
7.00% comparison · 6.69% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.06% comparison · 7.19% advertised
1yr Fixed · P&I · Investor · ≤90% LVR
7.29% comparison · 6.89% advertised
1yr Fixed · P&I · Investor · 90–95% LVR
7.35% comparison · 7.39% advertised
1yr Fixed · Interest Only · Investor · ≤90% LVR
7.29% comparison · 6.89% advertised
2yr Fixed · P&I · Owner-occupier · ≤90% LVR
6.98% comparison · 6.74% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.09% comparison · 7.24% advertised
2yr Fixed · P&I · Investor · ≤90% LVR
7.26% comparison · 6.94% advertised
2yr Fixed · P&I · Investor · 90–95% LVR
7.37% comparison · 7.44% advertised
2yr Fixed · Interest Only · Investor · ≤90% LVR
7.26% comparison · 6.94% advertised
3yr Fixed · P&I · Owner-occupier · ≤90% LVR
6.96% comparison · 6.74% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.11% comparison · 7.24% advertised
3yr Fixed · P&I · Investor · ≤90% LVR
7.23% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 90–95% LVR
7.38% comparison · 7.44% advertised
3yr Fixed · Interest Only · Investor · ≤90% LVR
7.23% comparison · 6.94% advertised
5yr Fixed · P&I · Owner-occupier · ≤90% LVR
7.01% comparison · 6.94% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.24% comparison · 7.44% advertised
5yr Fixed · P&I · Investor · ≤90% LVR
7.27% comparison · 7.14% advertised
5yr Fixed · P&I · Investor · 90–95% LVR
7.49% comparison · 7.64% advertised
5yr Fixed · Interest Only · Investor · ≤90% LVR
7.27% comparison · 7.14% 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

  • Fixed Home Loan · 3yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.005.006.007.00SepOctToday6.96% p.a. today

October 20268 changes

  1. 14Wed
    • 2-year fixed investor interest-only 7.06 → 7.2614 days after the RBA rise to 4.60%
      +0.20
    • 3-year fixed investor interest-only 7.06 → 7.2314 days after the RBA rise to 4.60%
      +0.17
    • 2 variants up 0.13 to 0.1414 days after the RBA rise to 4.60%
      All 5yr Fixed · P&I · Investor
      ≤90% LVR7.137.27+0.14
      90–95% LVR7.367.49+0.13
      +0.13 to +0.14
    • 5-year fixed investor interest-only 7.13 → 7.2714 days after the RBA rise to 4.60%
      +0.14
    • 2 variants up 0.2014 days after the RBA rise to 4.60%
      All 2yr Fixed · P&I · Owner-occupier
      ≤90% LVR6.786.98+0.20
      90–95% LVR6.897.09+0.20
      +0.20
    • 1-year fixed investor interest-only 7.07 → 7.2914 days after the RBA rise to 4.60%
      +0.22
    • 2 variants up 0.1414 days after the RBA rise to 4.60%
      All 5yr Fixed · P&I · Owner-occupier
      ≤90% LVR6.877.01+0.14
      90–95% LVR7.107.24+0.14
      +0.14
    • 2 variants up 0.1814 days after the RBA rise to 4.60%
      All 3yr Fixed · P&I · Owner-occupier
      ≤90% LVR6.786.96+0.18
      90–95% LVR6.937.11+0.18
      +0.18

Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.

Also from RACQ Bank: Fair Dinkum Home Loan 6.54% · Mortgage Saver Home Loan 6.68% · Mortgage Breaker 6.78%

As of 1 November 2026, the RACQ Bank Fixed Home Loan's 3-year fixed owner-occupier P&I variant has a comparison rate of 6.96% (6.74% advertised), ranking 34th of 50 3-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are investor, interest-only, other fixed terms 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.