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RACQ Bank Home Loan Rates

Active products
24
Lowest variable
6.04%
Lowest fixed
6.69%
Lowest comparison
6.04%
Last updated
26 July 2026

RACQ Bank is one of the Australian home-loan lenders we track daily. We currently surface 24 active products from RACQ Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest RACQ Bank home loan rate?

The lowest RACQ Bank variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.69% p.a. These figures come from the 18 RACQ Bank products on this page, ranked by comparison rate, last verified 26 July 2026.

How many home loan products does RACQ Bank offer?

Ratesniffers currently tracks 18 RACQ Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

RACQ Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.04% p.a.6.04% p.a.100%
Variable Owner-occupier P&I6.14% p.a.6.18% p.a.100%
Variable Investor P&I6.24% p.a.6.24% p.a.100%
Variable Owner-occupier P&I6.24% p.a.6.28% p.a.100%
Variable Investor P&I6.44% p.a.6.48% p.a.100%
Variable Investor interest-only6.44% p.a.6.48% p.a.100%
Fixed 1-year Owner-occupier P&I6.69% p.a.6.55% p.a.100%
Fixed 2-year Owner-occupier P&I6.74% p.a.6.58% p.a.100%
Fixed 3-year Owner-occupier P&I6.74% p.a.6.61% p.a.100%
Fixed 1-year Investor P&I6.89% p.a.6.84% p.a.100%
Fixed 1-year Investor interest-only6.89% p.a.6.84% p.a.90%
Fixed 2-year Investor P&I6.94% p.a.6.86% p.a.100%

18 RACQ Bank home loan products

Negotiate RACQ Bank rates with a broker

Advertised rates aren't always the rate RACQ Bank actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is RACQ Bank?

RACQ Bank is the banking arm of the Royal Automobile Club of Queensland, created when the motoring mutual merged with QT Mutual Bank (formerly the Queensland Teachers' Credit Union) in late 2016. It was a world first: no motoring club had bought a bank before.

It is member-owned like the club itself, serves Queenslanders alongside RACQ's insurance and roadside businesses, and prices its home loans as a challenger to the big four in its home state.

Who suits a RACQ Bank home loan?

RACQ Bank tends to suit Queensland borrowers, especially existing RACQ members, who want a member-owned alternative with local service and bundling across banking and insurance. Its rates are often sharp for the state but not guaranteed market-leading, so compare against the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

RACQ Bank home loans: frequently asked questions

What is the lowest RACQ Bank home loan rate?

RACQ Bank's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.69% p.a., based on the 18 RACQ Bank products Ratesniffers ranks by comparison rate, last verified 26 July 2026. The advertised rate isn't always the rate RACQ Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does RACQ Bank's home loan rate compare to the market?

RACQ Bank's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts RACQ Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where RACQ Bank sits right now rather than a fixed snapshot.

How many home loan products does RACQ Bank offer?

Ratesniffers currently tracks 24 RACQ Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 18 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is RACQ Bank competitive for refinancing?

It depends on your loan size and LVR. RACQ Bank's lowest comparison rate is currently 6.04% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing RACQ Bank against the sharpest available rate usually pays off.

How often are RACQ Bank's home loan rates updated?

Ratesniffers last verified RACQ Bank's home loan rates on 26 July 2026. Rates can change whenever RACQ Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

RACQ Bank rates by borrower and loan type

The same RACQ Bank panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Other lenders you might compare

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Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.