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RACQ Bank Fair Dinkum Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 95%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 60% $20,000
Owner Occupier Principal & Interest < 70% $20,000
Owner Occupier Principal & Interest 70%-80% $20,000
Owner Occupier Principal & Interest 80%-95% $20,000
Investor Principal & Interest < 60% $20,000
Investor Principal & Interest < 70% $20,000
Investor Principal & Interest 70%-80% $20,000
Investor Principal & Interest 80%-95% $20,000
  • Owner Occupier (Principal & Interest)
    LVR < 60%
    Loan: $20,000
  • Owner Occupier (Principal & Interest)
    LVR < 70%
    Loan: $20,000
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $20,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-95%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR < 60%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR < 70%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR 70%-80%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR 80%-95%
    Loan: $20,000
Rate
5.99% p.a.
Comparison Rate
5.99% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.09% p.a.
Comparison Rate
6.09% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.14% p.a.
Comparison Rate
6.14% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.54% p.a.
Comparison Rate
6.54% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.19% p.a.
Comparison Rate
6.19% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.29% p.a.
Comparison Rate
6.29% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.34% p.a.
Comparison Rate
6.34% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
6.74% p.a.
Comparison Rate
6.74% p.a.
Service fee
$0.00
Upfront fee
$0

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

5.99% p.a.

n/a

n/a

n/a

5.99% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

none

60.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.09% p.a.

n/a

n/a

n/a

6.09% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.14% p.a.

n/a

n/a

n/a

6.14% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.54% p.a.

n/a

n/a

n/a

6.54% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

80.00%

95.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.19% p.a.

n/a

n/a

n/a

6.19% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

none

60.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.29% p.a.

n/a

n/a

n/a

6.29% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.34% p.a.

n/a

n/a

n/a

6.34% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.74% p.a.

n/a

n/a

n/a

6.74% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

n/a

n/a

n/a

$0.00

$165.00

Other financial bits

$20,000

none

80.00%

95.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

no

none

yes

no

Valuation fee up to $300 included.

Eligible members get 0.10% p.a. off any eligible home loan. Receive 15% off Home & Contents Insurance for the life of the loan. RACQ members with a home loan of $250k+ can receive 2.79% p.a. green loan. 40 year loan terms available for First Home Buyers.

none

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.

Customer Reviews

How are RACQ Bank home loans rated by the Mozo community?

Overall
8.4/10
Price
8.8/10
Features
7.7/10
Customer service
8.8/10
Convenience
7.3/10
Trust
7.6/10
Based on 8 RACQ Bank home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

About RACQ Bank

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5.99% p.a. variable

5.90% p.a.

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6.25% p.a.
fixed 3 years

6.20% p.a.

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Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

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HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

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Variable

6.29% p.a. variable

6.20% p.a.

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Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

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Mortgage Simplifier

6.14% p.a. variable

6.17% p.a.

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Variable

5.99% p.a. variable

5.90% p.a.

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Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

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Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

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Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

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Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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Macquarie

Offset Home Loan (Package)

6.14% p.a. variable

6.39% p.a.

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Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

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loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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G&C Mutual Bank

First Home Buyer Loan

5.90% p.a.

5.93% p.a.

$0.00

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Community First Bank

Basic Variable Home Loan

5.94% p.a.

5.99% p.a.

$0.00

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.

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