---
title: "Fair Dinkum Investment Home Loan — RACQ Bank"
description: "Home Loans from RACQ Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/racq-bank/products/110
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-18T22:23:00Z
---

# Fair Dinkum Investment Home Loan — RACQ Bank

> Home Loans from RACQ Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Our Fair Dinkum Investment 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

- **From (investment):** 6.09% (6.09% comparison)

## Apply

Applications are handled by the provider: [Apply at RACQ Bank](https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.09% | 6.09% | LVR ≤60% discount |
| Variable | 6.19% | 6.19% | LVR >60% to ≤70% discount |
| Variable | 6.24% | 6.24% | LVR >70% to ≤80% discount |
| Variable | 6.39% | 6.39% | LVR >80% to ≤90%. |
| Variable | 6.59% | 6.59% | LVR >90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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. | Event | Variable |
| Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee — Payable for each company or trust borrower / guarantor party on the loan. | Event | $150.00 |
| Discharge Fee — Payable for standard partial or full discharges. Fee charged per property. | Exit | $300.00 |
| Substitution of Mortgage Security — Per property. | Event | $350.00 |
| Default Enforcement Expenses — May apply if enforcement services are required as part of default administration. | Event | Variable |

## Features

- **Digital banking**
- **Real-time payments (NPP)**
- **split loan**
- **Extra repayments** — unlimited extra repayments

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Australian Resident

## Constraints

- **Minimum limit** — $20,000.00

## More information from RACQ Bank

- [Fees & pricing](https://www.racq.com.au/banking/forms-and-documents)

## Data provenance

- Published by RACQ Bank under the Consumer Data Right
- Product ID: `110`
- Last updated by the provider: 18 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/racq-bank/110
- Provider page: https://www.cdrcompare.au/brands/racq-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000244

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/racq-bank/products/110) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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