Our Mortgage Breaker Owner Occupier variable home loan gives you the flexibility to make unlimited additional repayments and have access to free redraw. You can also save on interest while having access to your money with our 100% offset account.
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 |
|---|---|---|---|---|---|
| 8.98% | 9.03% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.59% | 6.63% | Variable · owner occupied · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.69% | 6.73% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.74% | 6.78% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 6.93% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 7.13% | 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/572- Content hash
sha256 f90262bc181fbc0afdf75d8c60c1b371918d37a0d245f5fc29f32ba801b5ac3f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f90262bc181fbc0a_295fd455Show details
- Checked
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/572- Content hash
sha256 f90262bc181fbc0afdf75d8c60c1b371918d37a0d245f5fc29f32ba801b5ac3f- 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 |
|---|---|---|
| Loan Document Fee - Top Up | Event | $350.00 |
| Default Enforcement Expenses | Event | Set in your letter of offer |
| Valuation Fee | Event | Set in your letter of offer |
| Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee | Event | $150.00 |
| Substitution of Mortgage Security | Event | $350.00 |
| Discharge Fee | Exit | $300.00 |
| Document Preparation and Settlement Fee | Upfront | $550.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Npp enabled | ||
| Digital banking | ||
| Offset | ||
| Redraw | ||
| Other | split loan | |
| Extra repayments | unlimited extra repayments | |
| Eligibility: residency status | Must be an Australian Resident | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 8.98% | 9.03% |
| Variable · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.59% | 6.63% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.93% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.69% | 6.73% |
| Variable · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.09% | 7.13% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 6.78% |
*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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