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1 Year Fixed Home Loan Owner Occupier
RACQ Bank's 1 Year Fixed Home Loan Owner Occupier is a home loan. The figures are the ones RACQ Bank publishes under the Consumer Data Right today. The advertised rate last moved on 24 April 2026, up from 6.19% to 6.69%.
Advertised rate
6.69%
headline tier
Comparison rate
7.00%
as published
Last moved
+0.50pp
24 April 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (2)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 90%LVR ≤90% discount | 6.69% | 7.00% |
| Fixed 1 year, Owner occupier, P&I, LVR over 90%LVR >90% | 7.19% | 7.06% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Early Payment Fee: Payable if you make extra repayments that exceed $10,000 per annum during any fixed period. | see lender |
| Loan Document Fee - Top Upwhen it happens: Payable for a further advance against existing security. | see lender |
| Early Termination Feewhen it happens: Payable if you repay your loan or change to a variable interest rate during the fixed rate period. | see lender |
| Valuation Feewhen it happens: The cost of the first valuation for a new security is covered by RACQ Bank. | see lender |
| Substitution of Mortgage Securitywhen it happens: Per property. | $350 |
| Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Feewhen it happens: Payable for each company or trust borrower / guarantor party on the loan. | $150 |
| Discharge Feeon exit: Payable for standard partial or full discharges. | $300 |
| Home Loan Fixed Rate Lock Feewhen it happens: 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. | $500 |
| Default Enforcement Expenses: May apply if enforcement services are required as part of default administration. | see lender |
| Document Preparation and Settlement Feeupfront: Document Preparation and Settlement Fee includes the cost of title search, document preparation and settlement fees - document generation, distribution of docum | $550 |
Other RACQ Bank home loans
Green Home Loan 2.79%Green Home Loan Investment 2.79%Fair Dinkum Home Loan 6.39%Mortgage Saver Home Loan 6.49%Fair Dinkum Investment Home Loan 6.59%Mortgage Breaker Owner Occupied 6.59%2 Year Fixed Home Loan Owner Occupier 6.74%3 Year Fixed Home Loan Owner Occupier 6.74%Mortgage Breaker Investment 6.79%Mortgage Breaker Investment Interest Only 6.79%1 Year Fixed Home Loan Investment 6.89%1 Year Fixed Home Loan Investment Interest Only 6.89%
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