Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
Following the Reserve Bank of Australia's (RBA) decision, we're increasing our variable home loan interest rates by 0.25% p.a., effective 7th April 2026.
Regional Australia Bank Home Loan
Achieve home ownership with a flexible, competitive-rate home loan.
LVR 60% or less - Variable (Conditions Apply)
5.49% p.a
5
LVR 60% or less - Variable - Comparison Rate (Conditions Apply)
5.52% p.a
6
Making home ownership simple and flexible
Ready to take the next step towards owning your home? At Regional Australia Bank, we've created a home loan that's flexible and easy to understand. Whether you're buying your first home, refinancing, or looking to invest, we've got the options to help suit your needs. Enjoy competitive interest rates and make the most out of your home loan with features like offset accounts and redraw options. Plus, applying online is quick and easy, with no upfront application fees1 7 3.
A home loan designed with you in mind, offering:
Why choose a Regional Australia Bank Home Loan?
Calculate your mortgage repayments8 9
Competitive rates designed to help you save
Our home loan offers competitive interest rates whether you're buying your first home or refinancing. With an offset account, you can reduce the interest on your loan, making it easier to pay off your mortgage faster. Choose from flexible loan options that are designed to suit your needs and help you manage your home loan your way.
To see specific interest rates, use our rate calculator below.
Features
| Borrow purpose | Owner Occupier, Investor |
| Family guarantee | Yes |
| Construction purpose | Yes |
| Interest rate | Variable or Fixed |
| Repayment frequency | Weekly, Fortnightly or Monthly |
| Advance payments | Yes (Variable Only) |
| Redraw | Yes (Variable Only) 11 |
| 100% offset accounts | Up to 8 per loan account 12 |
| Split loans minimum amount | $500 |
| Maximum term | 30 years |
| Minimum deposit (without Lenders Mortgage Insurance) | 20% |
| Minimum deposit (with Lenders Mortgage Insurance) | 5% |
| Interest only option | Yes, up to 5 years 13 |
| Home guarantee loans | Yes |
| LVR 60% or less - Variable (Conditions Apply) | 5.49% p.a5 |
| LVR 60% or less - Variable - Comparison Rate (Conditions Apply) | 5.52% p.a6 |
| Other Rates | Please see our Interest Rates page for details of Investor and Interest Only rates |
| *Loan to Value Ratio (LVR) | "LVR" is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property. |
Regional Australia Bank Home Loan
Home Loan without Offset - Owner Occupier, Principal and Interest - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.49%p.a | 5.52%p.a |
| LVR 70% or less | 5.49%p.a | 5.52%p.a |
| LVR 80% or less | 5.59%p.a | 5.62%p.a |
| LVR 90% or less | 6.02%p.a | 6.05%p.a |
| LVR more than 90% | 6.44%p.a | 6.47%p.a |
| Standard Variable | 7.57%p.a | 7.60%p.a |
Home Loan without Offset - Owner Occupier, Interest Only - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.74%p.a | 5.54%p.a |
| LVR 70% or less | 5.74%p.a | 5.54%p.a |
| LVR 80% or less | 5.84%p.a | 5.64%p.a |
| LVR 90% or less | 6.27%p.a | 6.07%p.a |
| LVR more than 90% | 6.69%p.a | 6.49%p.a |
| Standard Variable | 7.82%p.a | 7.62%p.a |
Home Loan with Offset - Owner Occupier, Principal and Interest - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.70%p.a | 5.7%p.a |
| LVR 70% or less | 5.70%p.a | 5.73%p.a |
| LVR 80% or less | 5.80%p.a | 5.83%p.a |
| LVR 90% or less | 6.23%p.a | 6.26%p.a |
| LVR more than 90% | 6.65%p.a | 6.68%p.a |
| Standard Variable | 7.57%p.a | 7.60%p.a |
Home Loan with Offset - Owner Occupier, Interest Only - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.95%p.a | 5.75%p.a |
| LVR 70% or less | 5.95%p.a | 5.75%p.a |
| LVR 80% or less | 6.05%p.a | 5.85%p.a |
| LVR 90% or less | 6.48%p.a | 6.28%p.a |
| LVR more than 90% | 6.90%p.a | 6.70%p.a |
| Standard Variable | 7.82%p.a | 7.62%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 1 Year - Fixed Rates 10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.59%p.a | 5.53%p.a |
| LVR 60 to 70% | 5.62%p.a | 5.53%p.a |
| LVR 70 to 80% | 5.74%p.a | 5.63%p.a |
| LVR 80 to 90% | 5.92%p.a | 6.04%p.a |
| LVR more than 90% | 6.40%p.a | 6.46%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 1 Year - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.84%p.a | 5.55%p.a |
| LVR 60 to 70% | 5.87%p.a | 5.56%p.a |
| LVR 70 to 80% | 5.99%p.a | 5.66%p.a |
| LVR 80 to 90% | 6.17%p.a | 5.67%p.a |
| LVR more than 90% | 6.65%p.a | 6.49%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 2 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.64%p.a | 5.55%p.a |
| LVR 60 to 70% | 5.68%p.a | 5.55%p.a |
| LVR 70 to 80% | 5.80%p.a | 5.66%p.a |
| LVR 80 to 90% | 5.97%p.a | 6.04%p.a |
| LVR more than 90% | 6.45%p.a | 6.47%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 2 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.89%p.a | 5.59%p.a |
| LVR 60 to 70% | 5.93%p.a | 5.60%p.a |
| LVR 70 to 80% | 6.05%p.a | 5.70%p.a |
| LVR 80 to 90% | 6.22%p.a | 5.74%p.a |
| LVR more than 90% | 6.70%p.a | 6.52%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 3 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.86%p.a | 5.62%p.a |
| LVR 60 to 70% | 5.86%p.a | 5.62%p.a |
| LVR 70 to 80% | 5.96%p.a | 5.72%p.a |
| LVR 80 to 90% | 6.14%p.a | 6.08%p.a |
| LVR more than 90% | 6.62%p.a | 6.52%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 3 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.11%p.a | 5.69%p.a |
| LVR 60 to 70% | 6.11%p.a | 5.69%p.a |
| LVR 70 to 80% | 6.21%p.a | 5.79%p.a |
| LVR 80 to 90% | 6.39%p.a | 5.84%p.a |
| LVR more than 90% | 6.87%p.a | 6.59%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 4 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.04%p.a | 5.71%p.a |
| LVR 60 to 70% | 6.04%p.a | 5.71%p.a |
| LVR 70 to 80% | 6.14%p.a | 5.81%p.a |
| LVR 80 to 90% | 6.31%p.a | 6.15%p.a |
| LVR more than 90% | 6.80%p.a | 6.60%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 4 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.29%p.a | 5.79%p.a |
| LVR 60 to 70% | 6.29%p.a | 5.79%p.a |
| LVR 70 to 80% | 6.39%p.a | 5.90%p.a |
| LVR 80 to 90% | 6.56%p.a | 5.96%p.a |
| LVR more than 90% | 7.05%p.a | 6.69%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 5 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.21%p.a | 5.83%p.a |
| LVR 60 to 70% | 6.21%p.a | 5.83%p.a |
| LVR 70 to 80% | 6.31%p.a | 5.93%p.a |
| LVR 80 to 90% | 6.49%p.a | 6.25%p.a |
| LVR more than 90% | 6.97%p.a | 6.70%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 5 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.46%p.a | 5.92%p.a |
| LVR 60 to 70% | 6.46%p.a | 5.92%p.a |
| LVR 70 to 80% | 6.56%p.a | 6.03%p.a |
| LVR 80 to 90% | 6.74%p.a | 6.10%p.a |
| LVR more than 90% | 7.22%p.a | 6.81%p.a |
All Interest Rates - Investor
Regional Australia Bank Home Loan
7Home Loan without Offset - Investor, Principal and Interest - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.69%p.a | 5.72%p.a |
| LVR 70% or less | 5.69%p.a | 5.72%p.a |
| LVR 80% or less | 5.79%p.a | 5.82%p.a |
| LVR 90% or less | 6.33%p.a | 6.36%p.a |
| Standard Variable | 8.07%p.a | 8.10%p.a |
Home Loan without Offset - Investor, Interest Only - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.69%p.a | 5.72%p.a |
| LVR 70% or less | 5.69%p.a | 5.72%p.a |
| LVR 80% or less | 5.79%p.a | 5.82%p.a |
| LVR 90% or less | 6.33%p.a | 6.36%p.a |
| Standard Variable | 8.07%p.a | 8.10%p.a |
Home Loan with Offset - Investor, Principal and Interest - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.90%p.a | 5.93%p.a |
| LVR 70% or less | 5.90%p.a | 5.93%p.a |
| LVR 80% or less | 6.00%p.a | 6.03%p.a |
| LVR 90% or less | 6.54%p.a | 6.57%p.a |
| Standard Variable | 8.07%p.a | 8.10%p.a |
Home Loan with Offset - Investor, Interest Only - Variable Rates
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR 60% or less | 5.90%p.a | 5.93%p.a |
| LVR 70% or less | 5.90%p.a | 5.93%p.a |
| LVR 80% or less | 6.00%p.a | 6.03%p.a |
| LVR 90% or less | 6.54%p.a | 6.57%p.a |
| Standard Variable | 8.07%p.a | 8.10%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 1 Year - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.78%p.a | 5.73%p.a |
| LVR 60 to 70% | 5.95%p.a | 5.74%p.a |
| LVR 70 to 80% | 6.06%p.a | 5.85%p.a |
| LVR 80 to 90% | 6.26%p.a | 6.35%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 1 Year - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.78%p.a | 5.73%p.a |
| LVR 60 to 70% | 5.95%p.a | 5.74%p.a |
| LVR 70 to 80% | 6.06%p.a | 5.84%p.a |
| LVR 80 to 90% | 6.26%p.a | 6.35%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 2 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.83%p.a | 5.75%p.a |
| LVR 60 to 70% | 6.00%p.a | 5.78%p.a |
| LVR 70 to 80% | 6.12%p.a | 5.88%p.a |
| LVR 80 to 90% | 6.32%p.a | 6.36%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 2 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 5.83%p.a | 5.74%p.a |
| LVR 60 to 70% | 6.00%p.a | 5.78%p.a |
| LVR 70 to 80% | 6.12%p.a | 5.88%p.a |
| LVR 80 to 90% | 6.32%p.a | 6.35%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 3 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.08%p.a | 5.83%p.a |
| LVR 60 to 70% | 6.23%p.a | 5.87%p.a |
| LVR 70 to 80% | 6.30%p.a | 5.96%p.a |
| LVR 80 to 90% | 6.48%p.a | 6.40%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 3 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.08%p.a | 5.82%p.a |
| LVR 60 to 70% | 6.23%p.a | 5.86%p.a |
| LVR 70 to 80% | 6.30%p.a | 5.96%p.a |
| LVR 80 to 90% | 6.48%p.a | 6.40%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 4 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.26%p.a | 5.92%p.a |
| LVR 60 to 70% | 6.40%p.a | 5.97%p.a |
| LVR 70 to 80% | 6.48%p.a | 6.07%p.a |
| LVR 80 to 90% | 6.66%p.a | 6.48%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 4 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.26%p.a | 5.91%p.a |
| LVR 60 to 70% | 6.40%p.a | 5.97%p.a |
| LVR 70 to 80% | 6.48%p.a | 6.06%p.a |
| LVR 80 to 90% | 6.66%p.a | 6.47%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 5 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.43%p.a | 6.04%p.a |
| LVR 60 to 70% | 6.58%p.a | 6.11%p.a |
| LVR 70 to 80% | 6.65%p.a | 6.20%p.a |
| LVR 80 to 90% | 6.83%p.a | 6.58%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 5 Years - Fixed Rates10
| Rate Type8 9 | Annual Rate5 | Comparison Rate6 |
|---|---|---|
| LVR Below 60% | 6.43%p.a | 6.03%p.a |
| LVR 60 to 70% | 6.58%p.a | 6.09%p.a |
| LVR 70 to 80% | 6.65%p.a | 6.18%p.a |
| LVR 80 to 90% | 6.83%p.a | 6.57%p.a |
Fees
| Annual fee | $0 |
| Approval fee | $225 |
| Documentation fee | $0 |
| Discharge fee | $395 |
| Valuation fees | At cost |
| Top up fee | $195 |
| Restructure fee | $200 |
| Monthly service fee | $0 |
| Break costs for early payout | Nil on variable, may apply on fixed |
| Access fee on Transaction & Savings Accounts |
Fixed rate home loan
Whether you’re buying your first home, refinancing, or looking to invest, our competitive fixed rates ensure stability in your repayments.
How does a Mortgage Offset work?
Australian Government 5% Deposit Scheme: General Stream and Single Parent Stream
The General Stream is an Australian Government initiative to help eligible home buyers purchase their home sooner. The Single Parent Stream supports eligible single parents or eligible single legal guardians of at least one dependent to purchase a home sooner.
Understand LVR and Your Borrowing Power
Loan-to-Value Ratio (LVR) plays a big role in determining how much you can borrow. The lower your LVR, the more favourable your loan terms might be, helping you secure a better deal. Understanding how LVR works can put you in a stronger position when buying a home.
Learn more about how LVR can impact your borrowing power and how to make it work for you.
Lower Your LVR, Lower Your Costs
A lower LVR could mean better rates. By reducing your LVR, you could lower your interest rate, saving you money over the life of your home loan. It’s all about maximising your financial benefits while with the aim of making your home ownership journey smoother.
Find out how reducing your LVR can lead to savings on your home loan.
We get it—home loans can seem complicated. That’s why we’ve made things easier by answering the most common questions, like “How much deposit do I need?” and “What’s the difference between a variable and fixed rate?”
Check out our Frequently Asked Questions for simple answers to help your next step.
Want to know more about our Home Loans?
Fill out the form below and we will get back to you as soon as possible.
Understanding Home Loans 14
What can count towards a deposit?
Genuine savings are the typical source for a home loan deposit. These savings can be classified as monies held for three months or more in Bank Accounts / Term Deposits.
There are also a variety of other options that can be counted towards a home loan deposit.
These include:
- Equity in Residential Property
- Funds from sold investments such as shares
- Employee funded additional superannuation (not mandatory employer contributions)
- Redraw/additional advance Funds in a Mortgage, Personal Loan or Line of credit
- Proceeds of Sale of other assets
- First home owners grants
- A non-repayable gift from a family member
- Inheritance
What is lender's mortgage insurance (LMI)?
Lender's Mortgage Insurance is a third-party insurance premium put in place to protect the lender if you're unable to repay your home loan. This is required when borrowing more than 80% of the property's purchase price/value.
Can I get a First Home Owners Grant from the Government?
There is a range of different grants first home buyers may be eligible for, these include:
- The First Home Super Saving Scheme - First home buyers can contribute an additional $30,000 to their deposit by taking it from their super fund. This can be done by making up to $15,000 each financial year in additional voluntary contributions.
- First Home Owner Grants - Under the scheme, a one-off grant is payable to first homeowners that satisfy all the eligibility criteria.
- Transfer Duty or Exemption - As a first home buyer, you may be eligible to receive an exemption or concession on your transfer duty (previously known as stamp duty).
- The General Stream - Under the Australian Government 5% Deposit Scheme, Housing Australia now offers unlimited guarantees each financial year, allowing eligible home buyers to purchase a home with a deposit as low as 5% of the property value. There is no cap on the number of guarantees available, and eligible buyers can avoid paying Lenders Mortgage Insurance (MLI).
How do I apply for a home loan?5
It's simple. Visit our home loans page and apply online today! A Home Lending Specialist is also available to assist with any of your questions and your application.
Is fixed or variable better?
Deciding on a fixed or variable home loan is an important decision when purchasing a home. There is a range of essential factors and benefits which will assist you in this decision-making process.
One of the main differences between fixed and variable, is that with a variable rate home loan, you are able to make extra repayments that you can redraw at any time. This could allow you to pay off the loan quicker and reduce the amount of interest that is charged.
We have specialist staff that will work with you to help you weigh up each loan's advantages and disadvantages, along with an assessment of your current personal and financial situation. That information will help you be able to determine how best to pay off your home loan.
A great way to compare the differences at home is to use our handycomparison toolto put each loan side by side and discover the main differences.
How much home loan deposit do I need?
To get formal approval for a home loan, you will need a deposit that is at minimum 20% of the purchase price/value of the property, plus costs such as stamp duty, government registration costs & your solicitor or conveyancing costs.
If you do not have a substantial deposit saved, your lender may be able to provide you with a home loan with as little as a 5% deposit, by taking out Lenders Mortgage insurance.
It may also be possible for loved ones to act as a guarantor for the amount you need for a deposit for a short period. If this sounds like an option for you, then check out our Head Start Family Guarantee Home Loan for more information.
What costs do I need to consider?
There are many different costs to consider when purchasing a property and everyone's circumstances are slightly different. Your lender will be able to provide you with guidance on how and when these costs may be charged.
These costs may include:
- Deposit
- Stamp duty
- Legal fees and solicitor/conveyancing costs
- Property valuation costs
- Lenders mortgage insurance if applicable
- Building and pest inspections
- Bank, Government and 3rd party fees as set out in our fees and charges brochure
- Home and contents insurance
What is a fixed rate home loan?
A fixed-rate home loan is when the borrower elects for their interest rate to be locked in for a period of 1 to 5 years and not change like a variable rate home loan. The main advantage of a fixed rate home loan is the certainty of knowing what your repayments are going to be for that period. When purchasing a property with a fixed rate, you'll be protected from interest rate rises but not benefit from an interest rate drop. Fixed home loans offer confidence to plan and set financial goals. At the end of the fixed rate period, you can elect to re-fix for another period or convert to a variable rate home loan.
What is an interest-only loan?
For an agreed and limited amount of time only, you can elect to pay off just the interest that your financial institution is charging on your home loan, without actually paying off any of the principle and reducing the size of the borrowed amount. An example of this structure would be a client who is in the process of building a property and the facility would be interest only for 12 months during construction.
FYI: We also look at interest-only repayments for Head Start Guarantees – the larger loan in the borrowers name is put on interest-only for 48 months to allow the additional guarantee loan/ portion to be paid off quicker to release the guarantor's liability earlier.
We will convert a loan to an interest-only for other reasons – each case is considered on its own merits.
What is a split loan?
A split loan is when you want to have your cake and eat it too. It is a combination of both variable and fixed rates for your home loan. You can elect for a portion of your home loan to be fixed and the other portion of it to be variable. Use our handy split loan calculator to find out if and how much of your loan you might want fixed.
What is a variable rate home loan?
A variable rate home loan is a home loan with an interest rate that is subject to change. The Australian and global economy plays the most significant role in effecting Australian home loan interest rates as the Reserve Bank of Australia (RBA) elects Australia's official cash rate. Changes in market interest rates and business decisions made by the lending institution can also play a part in varying an interest rate.
What is Loan to Value Ratio (LVR)?
Loan to Value Ratio (LVR) is a measurement of the property value vs the loan amount, as a percentage. This can also give an indication of the minimum deposit required. E.g. With a property security value of $400,000, 80% of the value is $320,000, therefore a 20% deposit would be 80,000. If for the same property and only a loan of $100,000 is required, the LVR would be 25%.
Help for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Account management and support
For help with managing your account, including online access, and other features, contact our support team.
Technical support
If you experience any technical issues with online access or account features, our team is available to assist you.
Get started now by applying online for your home loan
It's quick, convenient, secure and available 24/7. Get in touch with a Home Loan Specialist for support when refinancing. We're here to help from application to settlement.
We're available on 132 067 if you would like to apply over the phone or have a question.
Disclaimers
1
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
2
Please refer to the Product Details and Conditions of Use when considering if this product is right for you.
3
Regional Australia Bank is the issuer of the product.
4
No fees can be charged to this account. Any applicable fees will be charged to another account under your membership.
5
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
6
The Comparison rate is calculated on a secured loan amount of $150,000 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.
7
Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if this product is right for you.
8
Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change. The LVR Interest Rate Discount applies to the Standard Variable Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Mortgage Offset Home Loans.
9
LVR is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property
10
Revert Rate is variable non offset home loan rate with Principal & Interest repayment for the remainder of the term.
11
Minimum redraw amount is $500.
12
Offset Interest Rate Applies, detailed in All Interest Rates - Owner Occupier & Investor
13
Terms and conditions apply. Regional Australia Bank reserves the right to determine eligibility for this service.
14
This article does not constitute formal advice from Regional Australia Bank Ltd and this information has been provided for general information purposes only.