{
  "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/585",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "585",
    "lastUpdated": "2026-05-18T22:22:06Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Fair Dinkum Home Loan",
    "description": "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.",
    "brand": "RACQ Bank",
    "brandName": "RACQ Bank",
    "applicationUri": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.racq.com.au/banking/forms-and-documents"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "split loan"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "unlimited extra repayments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      }
    ],
    "fees": [
      {
        "name": "Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      },
      {
        "name": "Company / Trust - Borrower / Guarantor Party Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each company or trust borrower / guarantor party on the loan.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      },
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for standard partial or full discharges. Fee charged per property.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      },
      {
        "name": "Substitution of Mortgage Security",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per property.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      },
      {
        "name": "Default Enforcement Expenses",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "May apply if enforcement services are required as part of default administration.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0639",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "LVR >90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0639",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0604",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Available for new RACQ Bank home loans with an eligible LVR between >70% to ≤80% only.",
        "tiers": [
          {
            "name": "LVR >70% to ≤80% discount",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0604",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0599",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Available for new RACQ Bank home loans with an eligible LVR between >60% to ≤70% only.",
        "tiers": [
          {
            "name": "LVR >60% to ≤70% discount",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0599",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0589",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Available for new RACQ Bank home loans with an eligible LVR of ≤60% only.",
        "tiers": [
          {
            "name": "LVR ≤60% discount ",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0001",
            "maximumValue": "0.60",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0589",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0619",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Available for new RACQ Bank home loans with an eligible LVR between >80% to ≤90% only.",
        "tiers": [
          {
            "name": "LVR >80% to ≤90% discount",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.90",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0619",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      }
    ]
  }
}