1 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.
- From (investment)
- 6.89%
- 6.84% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 6.89% | 6.84% | LVR ≤90% discount |
| Fixed · 1 year | 7.39% | 6.9% | LVR >90% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Discharge Fee Payable for standard partial or full discharges. | Exit | $300.00 |
| Default Enforcement Expenses May apply if enforcement services are required as part of default administration. | Other | Variable |
| 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 |
| Substitution of Mortgage Security Per property. | Event | $350.00 |
| 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. | Other | Variable |
Features
- Digital banking
- Real-time payments (NPP)
- Extra repayments
- extra repayments of up to $10,000 are allowed on a fixed rate
- split loan
Eligibility
- Residency status — Must be an Australian Resident
- Individuals only
- Minimum age — 18 years
Constraints
- Minimum limit — $20,000.00
More Information
Published by RACQ Bank under the Consumer Data Right · Last updated 18 May 2026 · Product ID 114 · View on CDR.gov.au · View Source Data (JSON)