Australia's Leading Digital Marketing Experts. T. 1300 235 433  |  Aggregation Enquires Welcome

Example Interest Rates: Home Loan Variable: 1.89% (1.9%*) • Home Loan Fixed: 1.84% (2.11%*) • Fixed: 1.84% (2.11%*) • Variable: 1.89% (1.9%*) • Investment IO: 2.05% (4.36%*) • Investment PI: 1.58% (2.72%*)

  1 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.
Category: Home Loans  Last Updated March 20, 2022  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
2.39% PA
Comparison Rate
2.63%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, DISCOUNT, 2.29%
  • Lending Rate Type: Discount
  • Interest Rate: 2.29%, Comparison Rate 2.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Npp Enabled

 Product Eligibility

  • Natural Person
  • Min Age - 18.
  • Residency Status - Must Be An Australian Resident.

 Bank Fees and Charges

  • Early Payment Fee (Variable), Amount: Not Listed.. Additional Information: 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.
  • Non-proceeding Discharge Fee (Event), Amount: 55.00. Additional Information: Payable when a discharge does not proceed
  • Fix / Refixing Fee (Event), Amount: 300.00. Additional Information: Payable to fix or refix an established loan
  • Cancellation Of And Re-issuing Bank Cheque Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost when bank cheques are required to be cancelled and re-issued.
  • Bank Cheque Fee (Event), Amount: 11.00. Additional Information: Payable for each bank cheque required for settlement
  • Courier Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost if a courier is required for loan documents
  • Mortgage Top Up Fee (Event), Amount: 300.00. Additional Information: Payable for further advance. Valuation fees are payable at cost.
  • Variation Loan Document Fee (Event), Amount: 165.00. Additional Information: Payable for loan top ups to generate and change loan documents
  • Urgency Fee (Event), Amount: 82.50. Additional Information: Payable when a loan needs to be documented and settled urgently.
  • Company Search And Review Fee (Event), Amount: 82.50. Additional Information: Payable for doing a company search and review
  • Substitution Of Mortgage Security (single Property) Fee - For New Loans (Event), Amount: 478.50. Additional Information: Payable for substitution of a mortgage security
  • Non-proceeding Loan Fee (Event), Amount: 165.00. Additional Information: Payable when you no longer wish to proceed with your loan application with RACQ once it's been documented. The full fee is payable if certified.
  • Early Termination Fee (Variable), Amount: Not Listed.. Additional Information: 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 + $200 administration fee is payable.
  • Additional Security Fee (Event), Amount: 121.00. Additional Information: Payable for each additional security within a loan facility
  • Discharge Incidental To Substitution Or Internal Refinance Fee (Event), Amount: 176.00. Additional Information: Payable for a discharge that is incidental to a substitution or internal refinance
  • Consents And Production Of Title Fee (Event), Amount: 165.00. Additional Information: Payable for consents and production of title
  • Additional Loan Establishment Fee (Event), Amount: 300.00. Additional Information: Payable for each additional loan against an existing security. Valuation fees are payable at cost.
  • Additional Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost
  • Settlement Re-attendance Fee (Event), Amount: 55.00. Additional Information: Payable when settlement needs to be re-attended
  • Substitution Of Mortgage Security (single Property) Fee - For Variations (Event), Amount: 341.00. Additional Information: Payable for substitution of a mortgage security
  • Default Administration Fees (Event), Amount: 20.00. Additional Information: Payable (at our discretion) if an event of default occurs
  • Establishment Fee (Upfront), Amount: 600.00. Additional Information: Establishment Fee includes the cost of: preparation of one mortgage, valuations up to $220. Any amount above this is payable.
  • Out Of Cbd Settlement Fee (Variable), Amount: Not Listed.. Additional Information: Payable when settlement takes place outside of Brisbane CBD
  • Guarantee Fee (Event), Amount: 82.50. Additional Information: Payable when a Guarantee is required to secure a loan facility.
  • Loan Splitting Fee - For Existing Home Loans (Event), Amount: 200.00. Additional Information: Payable to split existing home loans
  • Administration Fee (Event), Amount: 200.00. Additional Information: Payable in addition to when otherwise specified in the Loan Fees Schedule, if we vary or renegotiate the terms of your loan contract at your request
  • Dealing Fee (Event), Amount: 300.00. Additional Information: Payable in addition to when otherwise specified in the Loan Fees Schedule, if we give or withhold consent to a document that affects our security.
  • Company / Trust - Borrower / Guarantor Party Fee (Event), Amount: 82.50. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.
  • Telegraphic Transfer Fee (Event), Amount: 38.50. Additional Information: Payable if surplus settlement funds are required to be transferred same day by telegraphic transfer
  • Discharge Fee (Exit), Amount: 165.00. Additional Information: Payable for standard partial or full discharges. $82.50 is payable for additional properties.
  • Urgent Or Complex Discharge Fee (Exit), Amount: 275.00. Additional Information: Payable for urgent or complex discharges
  • Settlement Cancellation And Rebooking Fee (Event), Amount: 165.00. Additional Information: Payable when settlement is cancelled and needs to be re-booked
  • Loan Splitting Fee - For New Home Loans (Event), Amount: 150.00. Additional Information: Payable to split new home loans
  • Deed Of Priority Fee (Event), Amount: 165.00. Additional Information: Payable when a deed of priority is required.
  • Document Preparation And Settlement Fee (Upfront), Amount: 302.50. Additional Information: Payable once only per standard loan facility and includes the cost of: •Document generation• Distribution of documents• Verification of returned documents• Verification of search requirements• Settlement booking• Settlement attendance(PEXA or paper)• Lodgement of title documents
  • Title Search Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost for each security being taken and typically two title searches are performed.
  • Loan Document Fee (Event), Amount: 110.00. Additional Information: Payable to generate or change loan documents only.
  • Interest Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: Payable at the time of application if you elect to lock-in your interest rate for a period of 90 days from the date you apply for your loan. The greater of $500 or 0.15% of the value of the loan is payable.
  • Change Of Name Fee (Event), Amount: 165.00. Additional Information: Payable to prepare the change of name documents for lodgement at the lands title office.
  • Mortgage Priority Fee (Event), Amount: 165.00. Additional Information: Payable when a mortgage priority is required.
  • Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration
  • Trust Deed Review Fee (Event), Amount: 82.50. Additional Information: Payable for reviewing trust deeds

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00

Download our 650-page guide on Finance Marketing. We'll show you exactly how we generate Billions in volume for our clients.

  AUS Eastern Standard Time (Washington)

  Want to have a chat?
 

Like this mortgage product?

Share on facebook
Share on Facebook
Share on twitter
Share on Twitter
Share on linkedin
Share on Linkdin
Share on pinterest
Share on Pinterest