Live chat Online Chat now

Investment Property Loans

This is an investor variable rate interest loan:

  • 100% offset account available
  • Available for new lending only
  • Unlimited additional repayments
  • Bonus 15% off Home and Contents Insurance with the Home Bundle*
  • Existing RACQ members are eligible to receive interest rate discounts based on their LVR. Get 0.20% off when you have an LVR less than 70% or 0.10% off when you have an LVR between 70-80%. T&Cs apply.
    What is LVR?

Enquire now   Compare all loans
Mortgage Breaker Special

3.09% p.a. interest rate

3.15% p.a. comparison rate

The rates shown are for the Principal and Interest repayments (investment). New lending only. Comparison rate warning.

Award winning Investment Home Lender

RACQ Bank is winner of Canstar's Outstanding Value award for Investment Home Lender in 2021.

Canstar Outstanding Value Investment Home Lender 2021

Special LVR Rates

Existing RACQ members are eligible to receive interest rate discounts on our Investor Mortgage Breaker Special based on their LVR.

Get 0.20% off when you have an LVR less than 70% or 0.10% off when you have an LVR between 70-80%. T&C's apply.

What is LVR?

New lending only. Principal and interest only. Comparison rate warning.

Mortgage Breaker Special 70-80% LVR^ member discount
2.99% p.a.

Interest rate

3.05% p.a.

Comparison rate

Mortgage Breaker Special LVR less than 70%^ member discount
2.89% p.a.

Interest rate

2.95% p.a.

Comparison rate

Home loan glossary

A Comparison Rate is an interest rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product, and also takes into account what the interest rate will be after any introductory periods are finished.
Lenders Mortgage Insurance (LMI) is a one-off insurance payment which banks generally require you to pay if you have a smaller deposit.
The Loan to Value Ratio (LVR) is the amount you are borrowing represented as a percentage of the value of the property being used as security for the loan. Our maximum LVR on home loans is 80%. However, with Lenders Mortgage Insurance (LMI), LVR for Owner Occupiers up to 90% can be considered, and LVR for Investors up to 90% can be considered.
An offset feature lets you link your transaction account to your home loan. The funds in your transaction account are offset against your home loan balance and you are only charged interest on the net balance of the two accounts.
If you pay an extra amount into your loan you may redraw that money at a later time if you need.
The RACQ Choices Package offers a discounted interest rate on variable and fixed loans and additional interest on a Term Deposit.

More home loan FAQs

^ 0.10% discount off variable interest rate where Loan to Value ratio is between 70% and 80%. 0.20% discount off variable interest rate where Loan to Value ratio is less than 70%. Offer available on all variable home loan products except variable home loan overdrafts. LVR Pricing discount is available to RACQ members on new RACQ Bank home loans. Offer is available until further notice.

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and normal lending criteria apply. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, before deciding.

Rates current as at 17 November 2020 and subject to change.

Mortgage Breaker Investor Special is available new lending only. Existing RACQ bank home loan customers can switch to Mortgage Breaker Investor Special with a minimum $20,000 in additional lending.

Comparison rate is based on a secured loan amount of $150,000 with monthly repayments over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

Insurance products are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. Please read the PDS and any relevant SPDS before making a purchase decision on this product. Any general advice relating to this product at is provided by RACQ.

  1. Subject to the further terms and conditions below, the Home Bundle gives eligible RACQ Bank customers a 15% discount off combined Home and Contents Insurance, Home Building Insurance or Contents Insurance for the life of any eligible home loan.
  2. Subsequent to the initial policy being taken out, if the member makes any policy changes which require an additional premium, that premium will need to be paid by the member.
  3. The Home Bundle promotional offer is valid for new RACQ Bank home loan customers only. Home Loans must be approved by 5:00pm 30 June 2021 and funded within 90 days of approval. Offer is subject to change without notice and may be withdrawn at any time. Acceptance of the offer is optional.
  4. Valid for Owner Occupier or Investor, residentially secured home lending products. Not available for businesses or companies. Lending terms, conditions, fees, charges and lending criteria apply. View our Loan rate schedule and fee schedule for a full list of RACQ Bank’s home loan rates, fees and charges.
  5. Please refer to the Important Information section for information on RACQ Bank Home Loans which are eligible for the Home Bundle promotional offer.
  6. The Home Bundle offer is not available to RACQ staff members.
  7. For refinanced home loans from other banks, Home and Contents Insurance policies will be created at or after loan is unconditionally approved.
  8. For property purchases, policies are to be created once purchase contract is signed or at loan submission, however Home Loan plus Home and Contents Insurance discounts are conditional on the home loan funding within 90 days of the date of the submitted application.
  9. Policyholders who already hold at least one insurance policy issued by RACQ Insurance Limited, may be eligible for a range of discounts, for the full breakdown of discounts please visit After the deduction of any available discounts, a further discount of 15% will be deducted to calculate the final premium. The calculated premium may then have additional taxes and charges applied. The Home Plus 15% discount offer is not available in conjunction with the online application discount of $75 for Home and Contents Insurance.
  10. Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152.  Conditions, limits and exclusions apply. This is general advice only and may not be right for you. Consider the PDS and any relevant SPDS available at
  11. Refer to Important Information section of this page for RACQ Bank Home Loan disclaimers including the comparison rate warning.