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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.
While the design may have changed, rest assured that everything you love about banking with us remains the same—secure, reliable, and easy to use. Enjoy our fresh look and improved features.
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Basic Home Loan
Our Basic Home Loan is perfect for those entering the property market, refinancing an existing home loan or looking to invest in property.
Intro Discount Offer (Owner Occupier, Principal & Interest)
6.14% p.a
1
Intro Discount Offer (Owner Occupier, Principal & Interest) - Comparison Rate
6.57% p.a
2
Basic Home Loan
Our Basic Home Loan is for those entering the property market, refinancing an existing home loan or looking to invest in property. Along with a competitive home loan rate, you'll also get a dedicated Relationship Manager3 to help you get started and be there throughout the life of the loan.4 5 6
Top reasons to choose a Basic Home Loan:
Features & Benefits
Features
| Borrow purpose | Owner Occupier, Investor |
| Family guarantee | N/A |
| Construction purpose | N/A |
| Interest rate | Variable or Fixed (Fixed only for Owner Occupier) |
| Repayment frequency | Weekly, Fortnightly or Monthly |
| Advance payments | Yes |
| Redraw | Yes 7 |
| 100% offset accounts | No |
| Split loans minimum amount | $100,000 |
| 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 8 |
| Home guarantee loans | N/A |
| Discounted Interest Rate on Your Choice Visa Credit Card | 3% discount |
| Intro Discount Offer (Owner Occupier, Principal & Interest) | 6.14% p.a1 |
| Intro Discount Offer (Owner Occupier, Principal & Interest) - Comparison Rate | 6.57% p.a2 |
| Basic Variable (Owner Occupier, Principal & Interest) | 7.19% p.a9 |
| Basic Variable (Owner Occupier, Principal & Interest) - Comparison Rate | 7.22% p.a2 |
| Basic Variable (Owner Occupier, Interest Only) | 7.44% p.a |
| Basic Variable (Owner Occupier, Interest Only) - Comparison Rate | 7.24% p.a |
| Basic Variable (Investor, Principal & Interest) | 7.59% p.a |
| Basic Variable (Investor, Principal & Interest) - Comparison Rate | 7.62% p.a |
| Basic Variable (Investor, Interest Only) | 7.84% p.a |
| Basic Variable (Investor, Interest Only) - Comparison Rate | 7.65% p.a |
| Other Rates | Please see our Interest Rates page for details of Fixed, Investor and Interest Only rates |
Fees
| Annual fee | $0 |
| Approval fee | $0 |
| Documentation fee | $250 |
| Discharge fee | May apply |
| 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 |
Find out more or get started on your Home loan application now
Let us know how we can help by leaving your details, and as much information as possible, using the form below. We'll get back to you at a convenient time so you can get going sooner.
Want to know more about home loans?
We know the home loan process can be confusing at times, but at Regional Australia Bank we like to make the complex, simple.
We've simplified and compiled a list of questions we frequently get asked about, such as "How much deposit do I need?" or "What's the difference between a variable and fixed rate?"
Be sure to check out our Frequently Asked Questions to learn more.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Lost or stolen card
If your card has gone missing, or it’s been stolen, you should immediately block it and request a replacement.
Technical Support
If you experience any technical issues with online access or account features, our team is available to assist you.
Have a question or want to get started?
Get started now by applying online for your home loan. It's quick, convenient, secure and available 24/7.