What’s an interest rate?
Determined by the Reserve Bank of Australia, interest rates fluctuate and are reviewed every month. This means if you’re on a variable loan you may end up paying more, or less on your loan than the previous month. It’s always a good idea to know your interest rates and check if your loan’s working for your life. Check out our most up to date interest rates and take control of your money with RACQ Bank.
Home loan interest rates
Whether you’ve bought a house to live in or you own an investment property get up to speed with our home loan interest rates and pay your mortgage off sooner.
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Owner occupied home loan
Enjoy our lowest interest rates on your home loan and get more out of life in Queensland.
Standard Fixed Rate Home Loan
| Standard Fixed Rate Home Loans |
Interest Rate |
Comparison rate |
| Fixed 1 year |
3.76% p.a |
4.91% p.a |
| Fixed 2 year |
3.82% p.a |
4.81% p.a |
| Fixed 3 year |
3.89% p.a |
4.74% p.a |
| Fixed 5 year |
4.19% p.a |
4.70% p.a |
Learn more
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Standard Variable Rate Home Loan
| Standard Variable Rate Home Loans |
Interest Rate |
Comparison rate |
| Mortgage Breaker |
4.99% p.a |
5.03% p.a |
| Mortgage Saver Special |
3.62% p.a |
3.62% p.a |
Learn more
Apply now
Choices Package Home Loan
| Choices Package Home Loans |
Interest Rate |
Comparison rate |
| Fixed 1 year |
3.66% p.a |
4.87% p.a |
| Fixed 2 year |
3.72% p.a |
4.80% p.a |
| Fixed 3 year |
3.79% p.a |
4.75% p.a |
| Fixed 5 year |
4.09% p.a |
4.76% p.a |
| Mortgage Breaker $150,000 to less than $250,000 |
4.59% p.a |
4.96% p.a |
| Mortgage Breaker $250,000 to less than $500,000 |
4.19% p.a |
4.57% p.a |
| Mortgage Breaker $500,000 and over |
4.09% p.a |
4.47% p.a |
Learn more
Enquire now
Apply for an RACQ Bank Home Loan
You can apply for a home loan from RACQ Bank online, anytime. Complete our form and we’ll get in touch to discuss your best option.
Apply for a home loan Learn more
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Investment home loan interest rates
Make the most of your investment with low interest rates and generous discounts from a mutual Queensland bank.
Standard Fixed Rate Home Loan
| Standard Fixed Rate Home Loans |
Interest Rate |
Comparison rate |
| Fixed 1 year |
3.96% p.a |
5.34% p.a |
| Fixed 2 year |
4.02% p.a |
5.22% p.a |
| Fixed 3 year |
4.09% p.a |
5.12% p.a |
| Fixed 5 year |
4.39% p.a |
5.05% p.a |
Learn more
Enquire now
Standard Variable Rate Home Loan
| Standard Variable Rate Home Loans |
Interest Rate |
Comparison rate |
| Mortgage Breaker |
5.45% p.a |
5.49% p.a |
Learn more
Enquire now
Choices Package Home Loan
| Choices Package Home Loans |
Interest Rate |
Comparison rate |
| Fixed 1 year |
3.86% p.a |
5.30% p.a |
| Fixed 2 year |
3.92% p.a |
5.20% p.a |
| Fixed 3 year |
3.99% p.a |
5.13% p.a |
| Fixed 5 year |
4.29% p.a |
5.10% p.a |
| Mortgage Breaker Investor Special $150,000 and over - principal and interest |
3.99% p.a |
4.38% p.a |
| Mortgage Breaker Investor Special $150,000 and over - interest only |
4.09% p.a |
4.47% p.a |
| Mortgage Breaker $150,000 to less than $250,000 |
5.05% p.a |
5.41% p.a |
| Mortgage Breaker $250,000 to less than $500,000 |
4.65% p.a |
5.02% p.a |
| Mortgage Breaker $500,000 and over |
4.55% p.a |
4.92% p.a |
Learn more
Enquire now
Apply for an investment loan
Want to buy an investment property? Apply for a home loan online and grow your property portfolio today.
Apply now Learn more
Personal loan interest rates
Whether it’s for a new car, holiday or something else – know what you’ll be paying and get back in the green faster.
Car loans
When you’re in the market for a new car you know you can trust RACQ to be there every step of the way with car loans designed for your life in Queensland.
Fixed Rate Car Loan – new car (under 2 years)
Buying a new car? Find out how RACQ Bank can help you get into your car sooner with a new car loan.
| Personal finance |
Interest rate |
Comparison rate |
| Fixed rate car loan (cars under 2 years old) |
6.17% p.a |
6.72% p.a |
Fixed Rate Car Loan – used car (over 2 years)
We’ll help you buy a used car easier with competitive used car interest rates and help from Queensland’s largest motoring club.
| Personal finance |
Interest Rate |
Comparison rate |
| Fixed rate car loan (cars over 2 years old) |
8.95% p.a |
9.52% p.a |
Personal Loan
Need some cash to reach an important life goal? Choose an RACQ Bank Personal Loan and life the life you love in Queensland.
| Personal finance |
Interest Rate |
Comparison rate |
| Personal loan |
12.95% p.a |
13.25% p.a |
Apply for an RACQ Bank Personal Loan
Get the money you want faster with a personal loan from RACQ Bank. Apply online today and we’ll step you through the process.
Apply now Learn more
Loan rate schedule
When you have a loan it’s good to know what interest you’re paying so you can budget to meet your repayments. Download our loan rate schedule to compare rates and choose the best loan for your lifestyle.
Loan rate schedule
Loan fees and charges
At RACQ Bank we’re for you. We’re transparent about what you’ll pay and our team’s dedicated to getting you more out of life. Download our loan fees and charges and know straight away what you’ll be paying for loan establishment, payment, termination fees and more.
Loan fees and charges schedule