RACQ Bank home loans

RACQ Bank

RACQ Bank home loans offer a range of packages for different needs. Check out our range of home loans for an overview of interest rates, fees and more. Or you can compare with our home loan comparison tools.

Rates and fees verified as correct at 14 November, 2018. Other information correct at the time of writing.

What home loans do RACQ Bank offer?

Fixed Rate Home Loans Fixed Rate Home Loans

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.09% p.a.

5.13% p.a.

$0.00

$600

3.89% p.a.

4.74% p.a.

$0.00

$600

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Variable Rate Home Loans Variable Rate Home Loans

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

5.45% p.a.

5.50% p.a.

$0.00

$600

4.99% p.a.

5.04% p.a.

$0.00

$600

3.62% p.a.

3.62% p.a.

$0.00

$0

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Fixed Package Home Loan Fixed Package Home Loan

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.99% p.a.

5.14% p.a.

$395.00 yearly

$0

3.99% p.a.

4.86% p.a.

$395.00 yearly

$0

3.99% p.a.

4.79% p.a.

$395.00 yearly

$0

3.79% p.a.

4.75% p.a.

$395.00 yearly

$0

3.79% p.a.

4.48% p.a.

$395.00 yearly

$0

3.79% p.a.

4.41% p.a.

$395.00 yearly

$0

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Variable Package Home Loan Variable Package Home Loan

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

5.05% p.a.

5.43% p.a.

$395.00 yearly

$0

4.65% p.a.

5.04% p.a.

$395.00 yearly

$0

4.55% p.a.

4.94% p.a.

$395.00 yearly

$0

4.59% p.a.

4.98% p.a.

$395.00 yearly

$0

4.19% p.a.

4.59% p.a.

$395.00 yearly

$0

4.09% p.a.

4.49% p.a.

$395.00 yearly

$0

4.09% p.a.

4.49% p.a.

$395.00 yearly

$0

3.99% p.a.

4.39% p.a.

$395.00 yearly

$0

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*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

What do you need to apply for a RACQ Bank home loan? What do you need to apply for a RACQ Bank home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)
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