At RACQ Bank, we want you to reach your property goals sooner. Whether you’re a first home buyer, investor, refinancing, or you’re looking for a change – were here to help you get the keys to the next stage of your life. With flexible repayment options, competitive home loan interest rates, low fees, and a bonus 15% off your Home and Contents Insurance*, our home loans are packed with benefits to give you more. When you’re ready to buy into a better life, choose RACQ Bank for a service you know and trust.
All RACQ Bank home loans feature zero monthly account keeping fees and an RACQ membership.
Variable rate loan with redraw
Variable rate with redraw & offset
Fixed rate loan
Bring your portfolio to life with an investment property loan that gives you long-term value. Low interest rates and flexible features make managing your repayments a breeze. Comparison rate warning.
Variable rate loan with offset account
Fixed rate loan
Need help or would like to know more? RACQ Bank offers many convenient ways for you to get in touch with us.
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 lending policies apply. This is general advice only and may not be right for you. 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, and consider if appropriate for you before deciding.
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.
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.
Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.
Rates current as at 23 January 2022 and subject to change at any time.
For fixed rate home loans, after fixed rate term, the interest rate reverts to the applicable variable rate. Refer to the Loan Rate Schedule for further information.
^ Additional 0.10% p.a. discount off fixed interest rates is available for Silver and Gold members only. Offer is available until further notice.
Mortgage Saver Special is available to new RACQ Bank home loan customers only. Existing RACQ Bank home loan customers can switch to Mortgage Saver Special with a minimum $20,000 in additional lending.
Mortgage Breaker Special/Mortgage Breaker Investor Special is available for new lending only. Customers with an existing home loan can switch to Mortgage Breaker Special/Mortgage Breaker Investor Special with a minimum $20,000 in additional new lending.
** Available with existing, refinanced and new RACQ Bank home loans. Conditions apply.
~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.