Making the jump to home ownership is exciting. Our Fixed Rate Home Loan combines the thrill of purchasing property with the security of having fixed repayments. With competitive interest rates, low fees, and thousands of member benefits, an RACQ Bank fixed home loan gives you certainty for easier budgeting. So, whether you’re buying your first property, refinancing, or purchasing your next home, choose RACQ Bank for service you know and trust.
Our owner occupied Fixed Rate Home Loan is packed with benefits:
Be rewarded for your loyalty. RACQ Gold and Silver members get 0.10% p.a. off fixed rates^.
Principal and interest only. Comparison rate warning
We offer our members fixed home loan rates for 1, 2, 3, and 5 year terms. After the fixed term, the interest rate reverts to the applicable variable rate applicable. Comparison rate warning
|Standard Loan||Interest Rate||Comparison Rate|
|1 Year||3.59% p.a.||2.97% p.a.|
|2 Year||4.09% p.a.||3.12% p.a.|
|3 Year||4.59% p.a.||3.35% p.a.|
|5 Year||5.09% p.a.||3.82% p.a.|
Check out the fees, options, and features of our owner-occupier Fixed Rate Home Loan. Or you can learn more about home loan terminology by heading over to our home loan FAQs.
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.
Rates current as at 17 May 2022 and subject to change at any time.
^ Additional 0.10% p.a. discount off fixed interest rates is available for Silver and Gold members only. Offer is available until further notice.
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.
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.
~~ 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.