RACQ BankFair Dinkum Home Loan
Our Fair Dinkum home loan is a basic home loan with a lower variable rate, no ongoing fees and unlimited additional repayments without the extras like a redraw facility and offset account.
At a glance
- Variable (owner occ. P&I)
- 6.39%6.39% comparison
- Max LVR
- 90%
- Features
- extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.54% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 70th lowest of 104, level with 4 others |
Rates
Every rate RACQ Bank publishes for this home loan, 5 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%6.39%
- 60–70%6.49%
- 70–80%6.54%
- 80–90%6.69%
- >90.01%6.89%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, P&I | - | ≤60% LVR | 6.39% | 6.39% | Available for new RACQ Bank home loans with an eligible LVR of ≤60% only. |
| Variable | Owner occupied, P&I | - | 60–70% LVR | 6.49% | 6.49% | Available for new RACQ Bank home loans with an eligible LVR between >60% to ≤70% only. |
| Variable | Owner occupied, P&I | - | 70–80% LVR | 6.54% | 6.54% | Available for new RACQ Bank home loans with an eligible LVR between >70% to ≤80% only. |
| Variable | Owner occupied, P&I | - | 80–90% LVR | 6.69% | 6.69% | Available for new RACQ Bank home loans with an eligible LVR between >80% to ≤90% only. |
| Variable | Owner occupied, P&I | - | >90.01% LVR | 6.89% | 6.89% | - |
Rate changes
5 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR | 6.14% | 6.39% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR | 6.24% | 6.49% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR | 6.29% | 6.54% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR | 6.44% | 6.69% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, >90.01% LVR | 6.64% | 6.89% | up 0.25 |
Each change is logged the night it appears in the rates RACQ Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
When particular things happen4
- Company / Trust - Borrower / Guarantor Party Fee
Payable for each company or trust borrower / guarantor party on the loan.
$150 - Default Enforcement Expenses
May apply if enforcement services are required as part of default administration.
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. Fee charged per property.
$300
Features
- split loan
Eligibility and limits
- Minimum age 18
- Residency: 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.