Fair Dinkum Home Loan
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.
Category: Home Loans Last Updated March 3, 2025 Effective March 10, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.64% PA
5.64% PA
Comparison Rate
5.65%PA*
5.65%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..
LVR >70% to ≤80% discount
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.79%, Comparison Rate 5.79%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR >60% to ≤70% discount
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.74%, Comparison Rate 5.74%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR ≤60% discount
Minimum: 0.01 PERCENT Maximum: 60 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.64%, Comparison Rate 5.65%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR >80% to ≤90% discount
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.94%, Comparison Rate 5.94%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Digital Banking
- Npp Enabled
Product Eligibility
- Min Age - 18.
- Natural Person
- Residency Status - Australian Resident.
Bank Fees and Charges
- Valuation Fee (Variable), Amount: Not Listed.. Additional Information: The cost of the first valuation for a new security is covered by RACQ Bank. Any additional valuation required on an existing security will be payable by the member at cost.
- Company / Trust - Borrower / Guarantor Party Fee (Event), Amount: 150.00. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.
- Discharge Fee (Exit), Amount: 300.00. Additional Information: Payable for standard partial or full discharges.
- Substitution Of Mortgage Security (Event), Amount: 350.00. Additional Information: Per property.
- Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration.
Limitations & Restrictions (Constraints)
- Min Limit of 20000
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