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RACQ Bank · Home loans
Mortgage Saver Home Loan
RACQ Bank's Mortgage Saver Home Loan is a home loan. The figures are the ones RACQ Bank publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 6.24% to 6.49%.
Advertised rate
6.49%
headline tier
Comparison rate
6.53%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 6.24% and 6.49% over the last 30 days.
Every current rate (6)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%LVR ≤60% discount | 6.49% | 6.53% |
| Variable, Owner occupier, P&I, LVR 60 to 70%LVR >60% to ≤70% discount | 6.59% | 6.63% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR >70% to ≤80% discount | 6.64% | 6.68% |
| Variable, Owner occupier, P&I, LVR 80 to 90%LVR >80% to ≤90% discount | 6.79% | 6.83% |
| Variable, Owner occupier, P&I, LVR over 90%LVR >90% | 6.99% | 7.03% |
| Variable, Owner occupier, P&I | 7.94% | 7.99% |
Rate moves, last 30 days
- 13 October 2026: 6 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 6.24% to 6.49%.
Published fees
| Fee | Amount |
|---|---|
| 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 |
| Loan Document Fee - Top Upwhen it happens: Payable for a further advance against existing security. | $350 |
| Valuation Feewhen it happens: The cost of the first valuation for a new security is covered by RACQ Bank. | see lender |
| Default Enforcement Expenseswhen it happens: May apply if enforcement services are required as part of default administration. | see lender |
| Discharge Feeon exit: Payable for standard partial or full discharges. | $300 |
| 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%Fair Dinkum Investment Home Loan 6.59%Mortgage Breaker Owner Occupied 6.59%1 Year Fixed Home Loan Owner Occupier 6.69%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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