Fair Dinkum Home Loan
Home LoansData Sharing Status
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.
- From (owner occupied)
- 5.89%
- 5.89% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 5.89% | 5.89% | LVR ≤60% discount |
| Variable | 5.99% | 5.99% | LVR >60% to ≤70% discount |
| Variable | 6.04% | 6.04% | LVR >70% to ≤80% discount |
| Variable | 6.19% | 6.19% | LVR >80% to ≤90% discount |
| Variable | 6.39% | 6.39% | 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 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
Published by RACQ Bank under the Consumer Data Right · Last updated 18 May 2026 · Product ID 585 · View on CDR.gov.au · View Source Data (JSON)