Home loan · Variable
Mortgage Breaker
6.78%comparison rate p.a. · 6.74% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
78th of 93 variable owner-occupier P&I loans
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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.63% comparison · 6.59% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.73% comparison · 6.69% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.78% comparison · 6.74% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.93% comparison · 6.89% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.13% comparison · 7.09% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.83% comparison · 6.79% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.93% comparison · 6.89% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.98% comparison · 6.94% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.13% comparison · 7.09% advertised
- Variable · P&I · Investor · 90–95% LVR
- 7.33% comparison · 7.29% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 9.59% comparison · 9.54% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.83% comparison · 6.79% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.93% comparison · 6.89% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.98% comparison · 6.94% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.13% comparison · 7.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Mortgage Breaker · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20263 changes
- 14Wed
- 5 variants up 0.2514 days after the RBA rise to 4.60%+0.25All Variable · P&I · Investor
≤60% LVR 6.58 6.83 +0.25 60–70% LVR 6.68 6.93 +0.25 70–80% LVR 6.73 6.98 +0.25 80–90% LVR 6.88 7.13 +0.25 90–95% LVR 7.08 7.33 +0.25 - 5 variants up 0.2514 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
≤60% LVR 6.38 6.63 +0.25 60–70% LVR 6.48 6.73 +0.25 70–80% LVR 6.53 6.78 +0.25 80–90% LVR 6.68 6.93 +0.25 90–95% LVR 6.88 7.13 +0.25 - 5 variants up 0.2514 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Investor
≤90% LVR 9.34 9.59 +0.25 ≤60% LVR 6.58 6.83 +0.25 60–70% LVR 6.68 6.93 +0.25 70–80% LVR 6.73 6.98 +0.25 80–90% LVR 6.88 7.13 +0.25
Our Mortgage Breaker Owner Occupier variable home loan gives you the flexibility to make unlimited additional repayments and have access to free redraw. You can also save on interest while having access to your money with our 100% offset account.
Also from RACQ Bank: Fair Dinkum Home Loan 6.54% · Mortgage Saver Home Loan 6.68% · Fixed Home Loan 6.96%
As of 1 November 2026, the RACQ Bank Mortgage Breaker's variable owner-occupier P&I variant has a comparison rate of 6.78% (6.74% advertised), ranking 78th of 93 variable owner-occupier P&I loans and sitting 0.20 points above the market average of 6.58%. The product comes in 15 variants; the others are investor, interest-only 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.