3 Year Fixed Home Loan Investment Interest Only
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
- From (investment)
- 6.94%
- 6.88% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years Interest only term is available for up to 5 years | 6.94% | 6.88% | LVR ≤90% discount |
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 |
| 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 |
| Loan Document Fee - Top Up Payable for a further advance against existing security. Valuation fee at cost. | Event | Variable |
| 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. | Event | $500.00 |
| Substitution of Mortgage Security Per property. |
Features
- Real-time payments (NPP)
- Digital banking
- 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
- Minimum age — 18 years
- Individuals only
Constraints
- Minimum limit — $20,000.00
More Information
Published by RACQ Bank under the Consumer Data Right · Last updated 18 May 2026 · Product ID 324 · View on CDR.gov.au · View Source Data (JSON)