Our Fair Dinkum home loan is a basic home loan with a lower variable rate, no ongoing fees and unlimited additional repayments without the extras like a redraw facility and 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 |
|---|---|---|---|---|---|
| 6.39% | 6.39% | Variable · owner occupied · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.49% | 6.49% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.54% | 6.54% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.69% | 6.69% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.89% | 6.89% | 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/585- Content hash
sha256 e0bf23b48ca1889e97d8a2f598a62ebd4cb10e17f9ee63801fd9952df7e7ca59- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_e0bf23b48ca1889e_347c0f49Show details
- Checked
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/585- Content hash
sha256 e0bf23b48ca1889e97d8a2f598a62ebd4cb10e17f9ee63801fd9952df7e7ca59- 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 |
|---|---|---|
| Valuation Fee | Event | Set in your letter of offer |
| Company / Trust - Borrower / Guarantor Party Fee | Event | $150.00 |
| Discharge Fee | Exit | $300.00 |
| Substitution of Mortgage Security | Event | $350.00 |
| Default Enforcement Expenses | Event | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Npp enabled | ||
| Other | split loan | |
| Extra repayments | unlimited extra repayments | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Australian Resident | |
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.69% | 6.69% |
| Variable · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.39% | 6.39% |
| Variable · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 6.89% | 6.89% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.54% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.49% | 6.49% |
*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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