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Bring the benefits of RACQ membership home

We understand your home is your most important - and most valuable - asset so we're committed to doing everything we can to help make home ownership as enjoyable and as affordable as possible. As an RACQ member, when you take out or switch your home loan to RACQ Bank, you’ll enjoy more than just our lowest rates ever, you’ll be entitled to exclusive discounts on RACQ Home and Contents Insurance over the entire life of your loan.

Home Loan Offers

  • RACQ Gold and Silver members get a 0.10% discount off standard fixed rates.~
  • Discounted variable interest rates available for new home loans with an LVR of less than 80%.^
  • Our mobile lenders can come to you and chat through your home loan options at a time and location that suits you, 7 days a week, face-to-face or virtually.

Home Insurance Offers

  • Save up to 13% on your premium when you combine your home and contents into a single policy. Plus, save $75 when you buy online.**
  • RACQ members with Roadside Assistance can access up to 17.5% discount on their home and contents insurance.#
  • Get up to 5% multi-policy discount if you have three or more eligible insurance policies with RACQ.

Home Bundle

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

Whether you're buying a new home, refinancing or buying an investment property, our Home Bundle gives you more.

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Home & Contents Insurance

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Queensland is no stranger to damaging storms, heavy rain, and cyclones, especially in summer.

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Contents Insurance

Protection for the things that make your house a home.

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Compare our Home and Contents Insurance

Compare the features, options and discounts of our Home and Contents Insurance policies.

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Home Rescue

Get access to trusted tradies 24/7, 365 days a year for a range of Home Emergencies like burst pipes, power failures or getting locked out of the house.

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Home window tinting

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Discounts

RACQ members get discounts with a range of home partners.

View all discounts

Home Loans

With RACQ Bank’s lowest home loan rates ever, now’s the time to talk to our mobile lenders and see what you could save.

View home loans

Refinancing

There are so many good reasons why it makes sense to move your home loan across to RACQ.

How to refinance

Building a home

While you create your dream home, we’ll be right by your side to help make it become a reality.

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Buying my next home

Whether you’re upsizing, downsizing or looking for something different, we’ll help make sure the move into your next home is a smooth one.

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Important information

~Additional 0.10% p.a. discount off standard fixed interest rates is available for Silver and Gold members only. Offer is available until further notice and cannot be used in conjunction with any other offers.

^0.10% discount off variable interest rate where Loan to Value ratio is between 70% and 80%. 0.20% discount off variable interest rate where Loan to Value ratio is less than 70%. Offer available on all variable home loan products except variable home loan overdrafts. LVR pricing discount is available on new RACQ Bank home loans only. Offer is available until further notice.

**Excludes pay later option

#Savings based on membership level

Loans are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian Credit Licence 241195 trading as RACQ Bank. 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 Terms and Conditions, 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 plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

  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. 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.
  3. The Home Bundle promotional offer is valid for new RACQ Bank home loan customers only. Home Loans must be approved by 5:00pm 30 September 2021 and funded within 90 days of approval. Offer is subject to change without notice and may be withdrawn at any time. Acceptance of the offer is optional.
  4. Valid for 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.
  5. Please refer to the Important Information section for information on RACQ Bank Home Loans which are eligible for the Home Bundle promotional offer.
  6. The Home Bundle offer is not available to RACQ staff members.
  7. For refinanced home loans from other banks, Home and Contents Insurance policies will be created at or after loan is unconditionally approved.
  8. 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.
  9. 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.
  10. 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 plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website.
  11. Refer to Important Information section of this page for RACQ Bank Home Loan disclaimers including the comparison rate warning.