Get a bonus 15% off your RACQ Home and Contents Insurance for the life of your home loan.*

At RACQ Bank we're here to help you save more, every day. Whether you're buying a new home, refinancing or buying an investment property, our Home bundle gives you more. Our Home bundle includes:

  • Applicable insurance and member discounts on your RACQ Home and/or Contents Insurance
  • Plus a bonus 15% off your RACQ Home and/or Contents Insurance for the life of your home loan*

Enquire now

Explore our home loans

View home loans

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    Competitive interest rates
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    Low fees
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    Flexible repayment options
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    Offset facility available for personal borrowers
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    Variable rate, fixed rate and split loan options available

How to apply for your Home Bundle

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    Home loan enquiry
    Complete our online enquiry form. This isn’t a full application, but it’ll save you time and give our lending specialists the info they need for now.
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    Review options with a lender
    Download our home loan application checklist before your appointment. Your lender will chat with you about which home loans are right for you, your borrowing power and financial position so you can buy with confidence.
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    Home loan approved
    Have your home loan application approved and funded within 90 days of approval.
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    We arrange your insurance
    An RACQ Insurance consultant will be in touch to arrange your new Home and Contents Insurance policy with the bonus 15% off for the life of your loan.*
  • Eligibility
    This offer is available for new lending customers only. View our terms and conditions for further information.

Why choose RACQ Bank for your home loan?

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    Home loans approved in one week
    Get the ball rolling on your next purchase.
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    We have locally staffed call centres
    Speak to our Queensland-based team whenever you call us.
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    We approach banking with openness and honesty
    Feel confident that we’re looking out for your best interests. 
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    You get the perks of being an RACQ member
    Enjoy member discounts that reflect your passions and priorities. 

Your home loan comes with RACQ membership~~

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Upgrade your home décor for less
Take advantage of a 10% discount at Andersens and Wattyl Paint Centres. 
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Make room in your moving budget
Get 10% off storage and 15% off packaging at StoreLocal. 
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Enjoy savings at the supermarket
Get 4% off Woolworths eGift cards.
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Know you're giving back to the community
Your membership helps fund the RACQ Air Rescue Network’s life-saving missions. 

Things to note

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.

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.

* Home Bundle Terms and Conditions

  1. Subject to the further terms and conditions below, the Home Bundle gives eligible RACQ Bank customers a 15% discount off combined Home and Contents Insurance, Home Building Insurance or Contents Insurance for the life of any eligible home loan.
  2. The 15% discount on Home and Contents Insurance, Home Building Insurance or Contents Insurance available under the Home Bundle offer will only be applicable for insurance that is to cover the asset which is subject of the eligible home loan taken out under this offer only.
  3. Subsequent to the initial policy being taken out, if the member makes any policy changes which require an additional premium, that premium will need to be paid by the member.
  4. The Home Bundle promotional offer is valid for new RACQ Bank home loan customers only. Offer is available until further notice, subject to change without notice and may be withdrawn at any time. Acceptance of the offer is optional.
  5. Valid for Investment or Owner Occupier, residentially secured home lending products only. Not available for businesses or companies. Lending terms, conditions, fees, charges and lending criteria apply. View our Loan rate schedule and fee schedule for a full list of RACQ Bank’s home loan rates, fees and charges.
  6. Please refer to the Things to note section for information on RACQ Bank Home Loans which are eligible for the Home Bundle promotional offer.
  7. The Home Bundle offer is not available to RACQ staff members.
  8. For refinanced home loans from other banks, Home and Contents Insurance policies will be created at or after loan is unconditionally approved.
  9. For property purchases, policies are to be created once purchase contract is signed or at loan submission, however Home Loan plus Home and Contents Insurance discounts are conditional on the home loan funding within 90 days of the date of the submitted application.
  10. Policyholders who already hold at least one insurance policy issued by RACQ Insurance Limited, may be eligible for a range of discounts, for the full breakdown of discounts please visit racq.com. After the deduction of any available discounts, a further discount of 15% will be deducted to calculate the final premium. The calculated premium may then have additional taxes and charges applied. The Home Plus 15% discount offer is not available in conjunction with the online application discount of $75 for Home and Contents Insurance.
  11. 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.
  12. Refer to the Things to note section of this page for RACQ Bank Home Loan disclaimers including the comparison rate warning.

~~ 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.