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RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%

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Example Interest Rates: Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.69% (6.52%*) • Investment PI: 5.49% (5.98%*)

Fair Dinkum Investment Home Loan

Our Fair Dinkum Investment 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 December 3, 2024 Effective December 18, 2024

General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information

Interest Rate
6.09% PA

Comparison Rate
6.09%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: 6.24%, Comparison Rate 6.24%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR >60% to ≤70% discount

Minimum: 60.01 PERCENT Maximum: 70 PERCENT

Lending Rate Type: Variable
Interest Rate: 6.19%, Comparison Rate 6.19%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR ≤60% discount

Minimum: 0.01 PERCENT Maximum: 60 PERCENT

Lending Rate Type: Variable
Interest Rate: 6.09%, Comparison Rate 6.09%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR >80% to ≤90%.

Minimum: 80.01 PERCENT Maximum: 90 PERCENT

Lending Rate Type: Variable
Interest Rate: 6.39%, Comparison Rate 6.39%
Repayment Type: Principal And Interest
Loan Purpose: Investment

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 Company Search And Review Fee (Event), Amount: 150.00. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.

Discharge Fee (Exit), Amount: 165.00. Additional Information: Payable for standard partial or full discharges.

Substitution Of Mortgage Security (single Property) Fee - For New Loans (Event), Amount: 350.00. Additional Information: Payable for substitution of a mortgage security

Substitution Of Mortgage Security (single Property) Fee - For Variations (Event), Amount: 200.00. Additional Information: Payable for substitution of a mortgage security

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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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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