Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
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 |
|---|---|---|---|---|---|
| 7.14% | 7.27% | Fixed · 5 years · investment · principal and interest · LVR 0%–90% | CDR | 1 Nov 2026 | |
| 7.64% | 7.49% | Fixed · 5 years · investment · 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/127- Content hash
sha256 0b16fae6d43d115ffdf9d6ca753c6eaecb560665a9e39e3045068c05433bddfd- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0b16fae6d43d115f_2ac03b4dShow details
- Checked
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/127- Content hash
sha256 0b16fae6d43d115ffdf9d6ca753c6eaecb560665a9e39e3045068c05433bddfd- 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 |
|---|---|---|
| Early Payment Fee | Other | Set in your letter of offer |
| Default Enforcement Expenses | Other | Set in your letter of offer |
| Home Loan Fixed Rate Lock Fee | Event | $500.00 |
| Substitution of Mortgage Security | Event | $350.00 |
| Early Termination Fee | Event | Set in your letter of offer |
| Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee | Event | $150.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Loan Document Fee - Top Up | 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 |
|---|---|---|
| Npp enabled | ||
| Digital banking | ||
| Extra repayments | extra repayments of up to $10,000 are allowed on a fixed rate | |
| Other | split loan | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Must be an Australian Resident | |
| Eligibility: natural person | ||
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.64% | 7.49% |
| Fixed · 5 years · investment · principal and interest · LVR 0%–90% | 1 Nov 2026 | Current | 7.14% | 7.27% |
*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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