Home Loan Fixed - Owner Occupied - Rates

Fixed Rates: All Terms (p.a.)
Term Fixed Rate Comparison Rate*
1 Year 5.49% 4.05%
2 Year 6.09% 4.31%
3 Year 6.49% 4.61%
5 Year 6.79% 5.16%
Key Features
Loan Type
Min Loan
Max Loan
Application Fee
Borrow upto
of property value
Ongoing fee
Redraw Facility
Offset Account

Loan Details

Loan Type Fixed
Security Type ResidentialProperty
Availability Owner Occupiers
Repayment Options Principal & Interest
Repayment Frequency Weekly, Fortnightly, Monthly
Min Loan Term
Max Loan Term 30
Max Loan to Value Ration (LVR) 80%
Max LVR with Mortgage Insurance 95%
Min Loan Amount $20,000.00
Max Loan Amount $2,000,000.00
Interest Rate Notes


Extra Repayments
Loan is Transferable (Portable)
Transfer Fee $350.00
Mortgage Offset Available
Mortgage Offset 100%
Mortgage Offset Rate -%
Redraw Available
Min Redraw Amount -
Max Redraw Amount -
Redraw Fee -
Redraw Notice Period
Redraw Method
Redraw Notes & Comments

Split Account

Split Available
Max No. of Accounts for Split n/a
Separate Statements for Split
Statement Frequency 2
Fixed Option
Fee for Fixing n/a


Application Fee $900.00
Legal Fee $0.00
Valuation Fee -
Settlement Fee -
Service Fee $0.00
Exit Fee $165.00
Early Termination Fee

Break Costs

$200 plus interest differential.

General Fee Notes:

Establishment Fee includes valuation fee up to $300, title search, document preparation and settlement fees - document generation, distribution of documents, verification of returned documents, verification of search requirements, settlement booking, settlement attendance (PEXA or paper) and lodgement of title documents. There may be other fees charged subject to your individual application's circumstances. Refer to Loan Fee Schedule at https://www.racq.com.au/downloads for further information.

General Notes:

Maximum LVR of 95% is inclusive of bank fees and LMI

*The comparison rates in this table are based on a secured loan amount of $150,000 and a term of 25 years. WARNING: These comparison rates apply 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 costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates are not calculated for revolving credit products.