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.

Jam-packed with features 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
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Interest rates & fees

Mortgage Saver Special 3.69 % p.a Owner occupied
3.69 % 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 Home Loan is available for new lending only.

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Get more with Home Plus

Whether you’re buying a new home or looking to make the switch and save on your current loan, our Home Plus offer gives you more. With Home Plus you’ll get our;

  • Mortgage Saver Special Variable Home Loan (Owner Occupied) - 3.69%pa interest and comparison rate
  • 15% off Home and Contents Insurance for the life of your home loan
  • Bonus RACQ Home Rescue subscription for a year*

Available for new lending customers only. *RACQ Home Rescue available in select areas. Head to for full terms and conditions. 

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Home loan calculators

Our online calculators can give you an estimate on what you can borrow and how much you’ll be paying back each month. With the option to include your full loan amount plus any additional repayments, see your loan structure over your set term.

How the application process works 

1. Get things underway
Start the process by completing the online application form.

2. We’ll be in touch
Download the home loan application checklist (41KB). Your home lending specialist will call you by the next business day to organise a meeting to go through your situation in depth.

3. Assessment and valuation
To help keep things moving and to make sure all the boxes are ticked, we conduct a property valuation and credit checks.

4. Full approval
Congratulations! We’ll let you know when your loan has been formally approved.

Enquire now