RACQ Bank3 Year Fixed Home Loan Investment
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
At a glance
- Max LVR
- 90%
- Features
- extra repayments
Rates
Every rate RACQ Bank publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, P&I | 3 yrs fixed | ≤90% LVR | 6.94% | 7.23% | - |
| Fixed | Investment, P&I | 3 yrs fixed | >90.01% LVR | 7.44% | 7.38% | - |
Fees
10 fees published, grouped by when they're charged.
- When you take it out$550Document Preparation and Settlement Fee
- While you hold itNo fee published
- When you close it or pay it off$300Discharge Fee
When you take it out1
- Document Preparation and Settlement Fee
Document Preparation and Settlement Fee includes the cost of title search, document preparation and settlement fees - document generation, distribution of documents, verification of returned document…
$550
When particular things happen6
- Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee
Payable for each company or trust borrower / guarantor party on the loan.
$150 - Early Termination Fee
Payable if you repay your loan or change to a variable interest rate during the fixed rate period. Applicable to fixed term loans only. Interest differential as defined in the loan contract plus a $2…
Varies - Home Loan Fixed Rate Lock Fee
If you elect to lock your fixed interest rate for a period of 90 days from the date you return your Home Loan Fixed Rate Lock Request. Available for new lending applications only.
$500 - Loan Document Fee - Top Up
Payable for a further advance against existing security. Valuation fee at cost.
Varies - Substitution of Mortgage Security
Per property.
$350 - Valuation Fee
The cost of the first valuation for a new security is covered by RACQ Bank. Any additional valuation required on an existing security will be payable by the member at cost.
Varies
When you close it or pay it off1
- Discharge Fee
Payable for standard partial or full discharges.
$300
Other fees2
- Default Enforcement Expenses
May apply if enforcement services are required as part of default administration.
Varies - Early Payment Fee
Payable if you make extra repayments that exceed $10,000 per annum during any fixed period. Applicable to fixed term loans only. Interest differential as defined in the loan contract is payable.
Varies
Features
- Split loan
Eligibility and limits
- Minimum age 18
- Residency: Must be an Australian Resident
- Available to individuals
- Amount from $20,000, no maximum
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Published by RACQ Bank under the Consumer Data Right, last changed by them on 13 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.