Why choose a Mortgage Saver Special Home Loan?

With our Mortgage Saver Special Home Loan not only will you get a low variable interest rate, you’ll save with no establishment, annual or account keeping fees.

This home loan is made to suit your life and gives you all the RACQ member benefits and discounts you’ve come to love.

  • No account keeping fees
  • No establishment fees
  • No annual fees
  • Unlimited additional repayments
  • Split loan option
  • Free redraw
  • Principal and interest repayments only

Interest rates & fees

Mortgage Saver Special 3.19 % p.a Owner occupied
3.19 % p.a Comparison rate
Establishment fee $0
Annual fee $0

Monthly account keeping fee

Additional repayments option Unlimited
Offset account No offset
Redraw facility Free
Maximum Loan to Value Ratio (LVR)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. 80%; 95% with Lenders Mortgage Insurance (LMI)Lenders Mortgage Insurance (LMI) is a one-off insurance payment which banks generally require you to pay if you have a smaller deposit.
Maximum term 30 years

Our Mortgage Saver Special Home Loan is available for new lending only.


  1. Complete our online enquiry form. This isn’t a full application but it’ll save you time and give our lending consultant the info they need for now.
  2. Download our home loan application checklist so you can be prepared with the documents you’ll need to provide when we catch up.
  3. We’ll chat with you about which home loans are right for you. Plus, we’ll discuss your borrowing power and financial position so you can buy with confidence.
  4. We’ll do some work our end and let you know what your best options are for a loan with RACQ Bank.

Read about the home loan process and be prepared for what comes next.

Enquire now