Compare RACQ Bank Home Loans
At RACQ Bank we want to give you the tools to get the most out of life in Queensland. That's why we offer a range of home loans to suit Queenslanders of all walks of life. Lock in your repayments with our Fixed Rate Home Loan and have the confidence to create a budget that fits into your life.
After a variable interest rate? Our Mortgage Saver Special Home Loan is perfect for first home buyers or those refinancing their existing home loan.
Buying an investment or renovating? Pick our Mortgage Breaker Home Loan and break free of your mortgage sooner. Plus, with the option to bundle it all up, you could save more across RACQ Bank products with our Choices Home Loan Package.
Compare our home loans and find the one to suit your life today, and into the future.
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Fixed Rate Home Loan
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Mortgage Saver
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Mortgage Breaker
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Best suited for: |
- First home buyers
- Refinancing
- Small deposits
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- First home buyers
- Refinancing
Available for new lending only
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- Investors
- Refinancing
- Renovating
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| Interest rate (owner occupied) |
2 Year Fixed Choices 3.29% p.a
4.46% p.a comparison rate
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Mortgage Saver Special 3.19% p.a
3.19% p.a comparison rate
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Mortgage Breaker Special
3.39% p.a
3.43% p.a comparison rate
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| Interest rate (investor) |
1 Year Fixed Choices 3.59% p.a
4.97% p.a comparison rate
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Mortgage Breaker Investor Special 3.49% p.a
3.53% p.a comparison rate
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| Interest rate type |
Fixed – 1, 2, 3 & 5 year terms |
Variable |
Variable |
| Establishment fee |
$600; $0 when in Choices Package
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$0
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$600
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| Annual fee |
$395 in Choices Package
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| Monthly account keeping fee |
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| Max. Loan to Value Ratio (owner occupied) |
80%
95% with LMI
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80%
95% with LMI
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80%
95% with LMI
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| Max. Loan to Value Ratio LVR (investor) |
80%
90% with LMI |
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80%
90% with LMI |
| Maximum term |
30 years |
30 years |
30 years |
| Redraw facility |
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| Offset account |
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| Additional payments options |
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| Top-ups |
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| Ability to split |
Not during fixed rate term
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| Available in package |
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| RACQ membership |
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| Awards |
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Fixed Rate Home Loan
Enquire now
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Mortgage Saver
Enquire now
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Mortgage Breaker
Enquire now
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Download Key Facts Sheet