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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.


Fixed Rate Home Loan Mortgage Saver Mortgage Breaker
Best suited for:
  • First home buyers
  • Refinancing
  • Small deposits
  • First home buyers
  • Refinancing

Available for new lending only

  • Investors
  • Refinancing
  • Renovating
Interest rate (owner occupied) 2 Year Fixed Choices  3.29% p.a
4.46% p.a comparison rate
Mortgage Saver Special 3.19% p.a
3.19% p.a comparison rate
Mortgage Breaker Special
3.39% p.a
3.43% p.a comparison rate
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
Interest rate type Fixed – 1, 2, 3 & 5 year terms Variable Variable
Establishment fee $600; $0 when in Choices Package $0 $600
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
80%
95% with LMI
80%
95% with LMI
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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  • Owner Occupiers only

Offset account
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  • P&I loans only

Additional payments options
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  • up to $10,000 per year

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  • Unlimited

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  • Unlimited

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  Canstar Outstanding Value Fixed Home Lender  First Home Buyer Loan Mozo Award  
  Fixed Rate Home Loan 

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Mortgage Saver

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Mortgage Breaker

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