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What’s an interest rate?

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.

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 3.20% p.a 4.55% p.a
Fixed 2 year 3.00% p.a 4.39% p.a
Fixed 3 year 2.90% p.a 4.23% p.a
Fixed 5 year 3.49% p.a 4.21% p.a
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Standard Variable Rate Home Loan

Standard Variable Rate Home Loans Interest Rate Comparison rate
Mortgage Breaker 4.65% p.a 4.69% p.a
Mortgage Breaker Special 3.39% p.a 3.43% p.a
Mortgage Saver 3.61% p.a
3.61% p.a
Mortgage Saver Special 3.19% p.a 3.19% p.a


Learn more Apply now

Choices Package Home Loan

Choices Package Home Loans Interest Rate Comparison rate
Fixed 1 year 3.10% p.a 4.54% p.a
Fixed 2 year 2.90% p.a 4.40% p.a
Fixed 3 year 2.80% p.a 4.27% p.a
Fixed 5 year 3.39% p.a 4.30% p.a
Mortgage Breaker $150,000 to less than $250,000 4.25% p.a 4.65% p.a
Mortgage Breaker $250,000 to less than $500,000 3.85% p.a 4.25% p.a
Mortgage Breaker $500,000 and over 3.75% p.a 4.16% 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

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 3.40% p.a 4.98% p.a
Fixed 2 year 3.20% p.a 4.80% p.a
Fixed 3 year 3.10% p.a 4.61% p.a
Fixed 5 year 3.69% p.a 4.56% p.a


Learn more Enquire now

Standard Variable Rate Home Loan

Standard Variable Rate Home Loans Interest Rate Comparison rate
Mortgage Breaker 5.11% p.a 5.15% p.a
Mortgage Breaker Special 3.49% p.a 3.53% p.a

Learn more Enquire now

Choices Package Home Loan

Choices Package Home Loans Interest Rate Comparison rate
Fixed 1 year 3.30% p.a 4.96% p.a
Fixed 2 year 3.10% p.a 4.80% p.a
Fixed 3 year 3.00% p.a 4.65% p.a
Fixed 5 year 3.59% p.a 4.64% p.a
Mortgage Breaker $150,000 to less than $250,000 4.71% p.a 5.10% p.a
Mortgage Breaker $250,000 to less than $500,000 4.31% p.a 4.70% p.a
Mortgage Breaker $500,000 and over 4.21% p.a 4.61% 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 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 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 Special

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
Personal financeFixed rate car loan special Interest rate5.89% p.a Comparison rate6.44% 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 Special 9.54% p.a 9.83% p.a
Personal Loan 12.70% p.a 13.00% 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