RACQ Bank home loan rates
Ranked by advertised rate, RACQ Bank's lowest advertised rate we track is 6.39% advertised (6.39% comparison) on the Fair Dinkum Home Loan - owner-occupier, P&I - 26th of 31 lenders we track. Rates as at 1 Nov 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.39% advertised (6.39% comparison) on the Fair Dinkum Home Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 6.69% advertised (7.00% comparison) on the 1-year Fixed Home Loan, owner-occupier. Rates as at 1 Nov 2026.
We track 7 RACQ Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 1 Nov 2026. See our methodology.
At the lowest advertised rate we track - 6.39% on the Fair Dinkum Home Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,749 a month (an arithmetic example, not a quote or an offer). Rates as at 1 Nov 2026.
RACQ Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
RACQ Bank has changed 3 variable rates in its published data since:
- Fair Dinkum Home Loan - owner-occupier, P&I6.14% → 6.39%(+25 bp)matches the cash rate move
- Mortgage Breaker - variable, owner-occupier, P&I6.34% → 6.59%(+25 bp)matches the cash rate move
- Mortgage Saver Home Loan - owner-occupier, P&I6.24% → 6.49%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
RACQ Bank products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Fair Dinkum Home Loan - owner-occupier, P&IRACQ Bank | Variable | 6.39% | 6.39% | 60% | link |
Mortgage Saver Home Loan - owner-occupier, P&IRACQ Bank | Variable | 6.49% | 6.53% | 60% | link |
Mortgage Breaker - variable, owner-occupier, P&IRACQ Bank | Variable | 6.59% | 6.63% | 60% | link |
1-year Fixed Home Loan, owner-occupierRACQ Bank | Fixed 1yr | 6.69% | 7.00% | — | link |
3-year Fixed Home Loan, owner-occupierRACQ Bank | Fixed 3yr | 6.74% | 6.96% | — | link |
2-year Fixed Home Loan, owner-occupierRACQ Bank | Fixed 2yr | 6.74% | 6.98% | — | link |
5-year Fixed Home Loan, owner-occupierRACQ Bank | Fixed 5yr | 6.94% | 7.01% | — | link |
RACQ Bank recent rate changes
3 of RACQ Bank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Fair Dinkum Home Loan - owner-occupier, P&I6.14% → 6.39%(+25 bp)previous value last seen 13 Oct 2026
- Mortgage Breaker - variable, owner-occupier, P&I6.34% → 6.59%(+25 bp)previous value last seen 13 Oct 2026
- Mortgage Saver Home Loan - owner-occupier, P&I6.24% → 6.49%(+25 bp)previous value last seen 13 Oct 2026
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