5 Year Fixed Home Loan Owner Occupier
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
- From (owner occupied)
- 6.94%
- 6.73% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 5 years | 6.94% | 6.73% | LVR ≤90% discount |
| Fixed · 5 years | 7.44% | 6.96% | LVR >90% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Discharge Fee Payable for standard partial or full discharges. | Exit | $300.00 |
| Early Termination Fee Payable if you repay your loan or change to a variable interest rate during the fixed rate period. Applicable to fixed term loans only. Interest differential as defined in the loan contract plus a $200 administration fee. | Event | Variable |
| 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 |
| Default Enforcement Expenses May apply if enforcement services are required as part of default administration. |
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
- Minimum age — 18 years
- Residency status — Must be an Australian Resident
- 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 597 · View on CDR.gov.au