Our Mortgage Saver home loan is a straight forward, basic variable home loan with a low variable rate. With no ongoing fees, unlimited additional repayments and free redraw you can reach your property goals sooner.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.94% | 7.99% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.49% | 6.53% | Variable · owner occupied · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.59% | 6.63% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.68% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.79% | 6.83% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 7.03% | Variable · owner occupied · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/575- Content hash
sha256 b9def4ff463f018d176cb7c7752191f96fd490781752b3851515a33fe53bb462- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_b9def4ff463f018d_64eddb11Show details
- Checked
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/575- Content hash
sha256 b9def4ff463f018d176cb7c7752191f96fd490781752b3851515a33fe53bb462- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Substitution of Mortgage Security | Event | $350.00 |
| Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee | Event | $150.00 |
| Loan Document Fee - Top Up | Event | $350.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Default Enforcement Expenses | Event | Set in your letter of offer |
| Discharge Fee | Exit | $300.00 |
| Document Preparation and Settlement Fee | Upfront | $550.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Npp enabled | ||
| Redraw | ||
| Other | split loan | |
| Extra repayments | unlimited extra repayments | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Eligibility: residency status | Must be an Australian Resident | |
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.68% |
| Variable · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.49% | 6.53% |
| Variable · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 6.99% | 7.03% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.63% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.94% | 7.99% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.79% | 6.83% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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