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.
Interest Rates
View current interest rates for our range home loans, personal loans, term deposits, accounts and credit cards.
Basic Home Loan
For applications from 15/12/2022
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Basic Variable 3-year Introductory Discount Offer - Principal & Interest Payments ($100,000+) | 6.14%p.a2 | 6.57%p.a |
| Basic Home Loan Special Offer - Principal & Interest Payments ($100,000+) | 6.51%p.a3 | 6.54%p.a |
| Basic Home Loan Special Offer - Interest Only Payments ($100,000+) | 6.64%p.a3 | 6.44%p.a |
| Basic Variable Rate - Principal & Interest Payments | 7.19%p.a | 7.22%p.a |
| Basic Variable Rate - Interest Only Payments | 7.44%p.a | 7.24%p.a |
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.
Please note: Current interest rates for Basic Home Loan applications prior to 1/12/2020 are available in the Interest Rates for Non-Featured Products .
Regional Australia Bank Home Loan
Principal and Interest Variable Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.20%p.a | 6.21%p.a |
| LVR 70% or less | 6.25%p.a | 6.26%p.a |
| LVR 80% or less | 6.30%p.a | 6.31%p.a |
| LVR 90% or less | 6.68%p.a | 6.69%p.a |
| LVR more than 90% | 7.10%p.a | 7.11%p.a |
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 Home Loan 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.
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.
Interest Only
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.45%p.a | 6.23%p.a |
| LVR 70% or less | 6.50%p.a | 6.28%p.a |
| LVR 80% or less | 6.55%p.a | 6.33%p.a |
| LVR 90% or less | 6.93%p.a | 6.72%p.a |
| LVR more than 90% | 7.35%p.a | 7.14%p.a |
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 Home Loan 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.
Principal & Interest Payments Fixed 1 year
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.03%p.a | 6.00%p.a |
| LVR 60 to 70% | 6.04%p.a | 6.05%p.a |
| LVR 70 to 80% | 6.07%p.a | 6.10%p.a |
| LVR 80 to 90% | 6.33%p.a | 6.47%p.a |
| LVR more than 90% | 6.81%p.a | 6.89%p.a |
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.
Interest Only Payments Fixed 1 year
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.28%p.a | 6.03%p.a |
| LVR 60 to 70% | 6.29%p.a | 6.07%p.a |
| LVR 70 to 80% | 6.32%p.a | 6.12%p.a |
| LVR 80 to 90% | 6.58%p.a | 6.15%p.a |
| LVR more than 90% | 7.06%p.a | 6.92%p.a |
Principal & Interest Payments Fixed 2 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.65%p.a | 5.93%p.a |
| LVR 60 to 70% | 5.66%p.a | 5.97%p.a |
| LVR 70 to 80% | 5.69%p.a | 6.02%p.a |
| LVR 80 to 90% | 5.95%p.a | 6.38%p.a |
| LVR more than 90% | 6.43%p.a | 6.81%p.a |
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.
Interest Only Payments Fixed 2 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.90%p.a | 5.98%p.a |
| LVR 60 to 70% | 5.91%p.a | 6.02%p.a |
| LVR 70 to 80% | 5.94%p.a | 6.07%p.a |
| LVR 80 to 90% | 6.20%p.a | 6.12%p.a |
| LVR more than 90% | 6.68%p.a | 6.86%p.a |
Principal & Interest Payments Fixed 3 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.53%p.a | 5.87%p.a |
| LVR 60 to 70% | 5.54%p.a | 5.91%p.a |
| LVR 70 to 80% | 5.57%p.a | 5.95%p.a |
| LVR 80 to 90% | 5.84%p.a | 6.30%p.a |
| LVR more than 90% | 6.31%p.a | 6.73%p.a |
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.
Interest Only Payments Fixed 3 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.78%p.a | 5.94%p.a |
| LVR 60 to 70% | 5.79%p.a | 5.98%p.a |
| LVR 70 to 80% | 5.82%p.a | 6.02%p.a |
| LVR 80 to 90% | 6.09%p.a | 6.10%p.a |
| LVR more than 90% | 6.56%p.a | 6.81%p.a |
Principal & Interest Payments Fixed 4 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.63%p.a | 5.87%p.a |
| LVR 60 to 70% | 5.64%p.a | 5.90%p.a |
| LVR 70 to 80% | 5.67%p.a | 5.95%p.a |
| LVR 80 to 90% | 5.94%p.a | 6.28%p.a |
| LVR more than 90% | 6.41%p.a | 6.72%p.a |
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.
Interest Only Payments Fixed 4 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.88%p.a | 5.96%p.a |
| LVR 60 to 70% | 5.89%p.a | 6.00%p.a |
| LVR 70 to 80% | 5.92%p.a | 6.04%p.a |
| LVR 80 to 90% | 6.19%p.a | 6.13%p.a |
| LVR more than 90% | 6.66%p.a | 6.82%p.a |
Principal & Interest Payments Fixed 5 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.73%p.a | 5.89%p.a |
| LVR 60 to 70% | 5.74%p.a | 5.92%p.a |
| LVR 70 to 80% | 5.77%p.a | 5.96%p.a |
| LVR 80 to 90% | 6.03%p.a | 6.29%p.a |
| LVR more than 90% | 6.51%p.a | 6.73%p.a |
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.
Interest Only Payments Fixed 5 years
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.98%p.a | 5.99%p.a |
| LVR 60 to 70% | 5.99%p.a | 6.03%p.a |
| LVR 70 to 80% | 6.02%p.a | 6.07%p.a |
| LVR 80 to 90% | 6.28%p.a | 6.18%p.a |
| LVR more than 90% | 6.76%p.a | 6.84%p.a |
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.
Fixed Home Loan - 1 Year
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.03%p.a | 6.00%p.a |
| LVR 60 to 70% | 6.04%p.a | 6.05%p.a |
| LVR 70 to 80% | 6.07%p.a | 6.10%p.a |
| LVR 80 to 90% | 6.33%p.a | 6.47%p.a |
| LVR more than 90% | 6.81%p.a | 6.89%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.28%p.a | 6.03%p.a |
| LVR 60 to 70% | 6.29%p.a | 6.07%p.a |
| LVR 70 to 80% | 6.32%p.a | 6.12%p.a |
| LVR 80 to 90% | 6.58%p.a | 6.15%p.a |
| LVR more than 90% | 7.06%p.a | 6.92%p.a |
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.
Fixed Home Loan - 2 Years
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.65%p.a | 5.93%p.a |
| LVR 60 to 70% | 5.66%p.a | 5.97%p.a |
| LVR 70 to 80% | 5.69%p.a | 6.02%p.a |
| LVR 80 to 90% | 5.95%p.a | 6.38%p.a |
| LVR more than 90% | 6.43%p.a | 6.81%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.90%p.a | 5.98%p.a |
| LVR 60 to 70% | 5.91%p.a | 6.02%p.a |
| LVR 70 to 80% | 5.94%p.a | 6.07%p.a |
| LVR 80 to 90% | 6.20%p.a | 6.12%p.a |
| LVR more than 90% | 6.68%p.a | 6.86%p.a |
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.
Fixed Home Loan - 3 Years
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.53%p.a | 5.87%p.a |
| LVR 60 to 70% | 5.54%p.a | 5.91%p.a |
| LVR 70 to 80% | 5.57%p.a | 5.95%p.a |
| LVR 80 to 90% | 5.84%p.a | 6.30%p.a |
| LVR more than 90% | 6.31%p.a | 6.73%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.78%p.a | 5.94%p.a |
| LVR 60 to 70% | 5.79%p.a | 5.98%p.a |
| LVR 70 to 80% | 5.82%p.a | 6.02%p.a |
| LVR 80 to 90% | 6.09%p.a | 6.10%p.a |
| LVR more than 90% | 6.56%p.a | 6.81%p.a |
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.
Fixed Home Loan - 4 Years
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.63%p.a | 5.87%p.a |
| LVR 60 to 70% | 5.64%p.a | 5.90%p.a |
| LVR 70 to 80% | 5.67%p.a | 5.95%p.a |
| LVR 80 to 90% | 5.94%p.a | 6.28%p.a |
| LVR more than 90% | 6.41%p.a | 6.72%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.88%p.a | 5.96%p.a |
| LVR 60 to 70% | 5.89%p.a | 6.00%p.a |
| LVR 70 to 80% | 5.92%p.a | 6.04%p.a |
| LVR 80 to 90% | 6.19%p.a | 6.13%p.a |
| LVR more than 90% | 6.66%p.a | 6.82%p.a |
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.
Fixed Home Loan - 5 Years
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.73%p.a | 5.89%p.a |
| LVR 60 to 70% | 5.74%p.a | 5.92%p.a |
| LVR 70 to 80% | 5.77%p.a | 5.96%p.a |
| LVR 80 to 90% | 6.03%p.a | 6.29%p.a |
| LVR more than 90% | 6.51%p.a | 6.73%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.98%p.a | 5.99%p.a |
| LVR 60 to 70% | 5.99%p.a | 6.03%p.a |
| LVR 70 to 80% | 6.02%p.a | 6.07%p.a |
| LVR 80 to 90% | 6.28%p.a | 6.18%p.a |
| LVR more than 90% | 6.76%p.a | 6.84%p.a |
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.
Standard Variable Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 8.07%p.a | 8.10%p.a |
| Standard Variable Rate - Interest Only Payments | 8.32%p.a | 8.13%p.a |
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.
Investor Home Loans
Basic Home Loan
For applications from 15/12/2022
| Rate Type | Annual Rate | Comparison Rate4 |
|---|---|---|
| Basic Variable Rate - Principal & Interest Payments | 7.59%p.a | 7.62%p.a |
| Basic Variable Rate - Interest Only Payments | 7.84%p.a | 7.64%p.a |
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 Basic Home Loan is only available for owner occupied or residential investment borrowings with over $100,000 of new lending.
Regional Australia Bank Home Loan
Principal and Interest Variable rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.34%p.a | 6.35%p.a |
| LVR 70% or less | 6.50%p.a | 6.51%p.a |
| LVR 80% or less | 6.54%p.a | 6.55%p.a |
| LVR 90% or less | 6.99%p.a | 7.00%p.a |
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.
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.
Interest Only Variable Rates
| Rate Type | Annual Rate | Comparison Rate5 |
|---|---|---|
| LVR 60% or less | 6.59%p.a | 6.37%p.a |
| LVR 70% or less | 6.75%p.a | 6.54%p.a |
| LVR 80% or less | 6.79%p.a | 6.58%p.a |
| LVR 90% or less | 7.24%p.a | 7.03%p.a |
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 Home Loan 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.
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.
Principal & Interest Payments Fixed 1 Year Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.23%p.a | 6.15%p.a |
| LVR 60 to 70% | 6.38%p.a | 6.31%p.a |
| LVR 70 to 80% | 6.38%p.a | 6.34%p.a |
| LVR 80 to 90% | 6.68%p.a | 6.78%p.a |
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.
Interest Only Payments Fixed 1 Year Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.48%p.a | 6.18%p.a |
| LVR 60 to 70% | 6.63%p.a | 6.33%p.a |
| LVR 70 to 80% | 6.63%p.a | 6.37%p.a |
| LVR 80 to 90% | 6.93%p.a | 6.81%p.a |
Principal & Interest Payments Fixed 2 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.85%p.a | 6.09%p.a |
| LVR 60 to 70% | 6.00%p.a | 6.24%p.a |
| LVR 70 to 80% | 6.00%p.a | 6.27%p.a |
| LVR 80 to 90% | 6.30%p.a | 6.69%p.a |
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.
Interest Only Payments Fixed 2 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.10%p.a | 6.13%p.a |
| LVR 60 to 70% | 6.25%p.a | 6.29%p.a |
| LVR 70 to 80% | 6.25%p.a | 6.32%p.a |
| LVR 80 to 90% | 6.55%p.a | 6.74%p.a |
Principal & Interest Payments Fixed 3 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.73%p.a | 6.03%p.a |
| LVR 60 to 70% | 5.88%p.a | 6.18%p.a |
| LVR 70 to 80% | 5.88%p.a | 6.21%p.a |
| LVR 80 to 90% | 6.18%p.a | 6.62%p.a |
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.
Interest Only Payments Fixed 3 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.98%p.a | 6.10%p.a |
| LVR 60 to 70% | 6.13%p.a | 6.25%p.a |
| LVR 70 to 80% | 6.13%p.a | 6.28%p.a |
| LVR 80 to 90% | 6.43%p.a | 6.69%p.a |
Principal & Interest Payments Fixed 4 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.83%p.a | 6.03%p.a |
| LVR 60 to 70% | 5.98%p.a | 6.19%p.a |
| LVR 70 to 80% | 5.98%p.a | 6.21%p.a |
| LVR 80 to 90% | 6.28%p.a | 6.61%p.a |
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.
Interest Only Payments Fixed 4 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.08%p.a | 6.12%p.a |
| LVR 60 to 70% | 6.23%p.a | 6.28%p.a |
| LVR 70 to 80% | 6.23%p.a | 6.30%p.a |
| LVR 80 to 90% | 6.53%p.a | 6.70%p.a |
Principal & Interest Payments Fixed 5 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.93%p.a | 6.05%p.a |
| LVR 60 to 70% | 6.08%p.a | 6.21%p.a |
| LVR 70 to 80% | 6.08%p.a | 6.23%p.a |
| LVR 80 to 90% | 6.38%p.a | 6.61%p.a |
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.
Interest Only Payments Fixed 5 Years Rates
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.18%p.a | 6.16%p.a |
| LVR 60 to 70% | 6.33%p.a | 6.32%p.a |
| LVR 70 to 80% | 6.33%p.a | 6.34%p.a |
| LVR 80 to 90% | 6.63%p.a | 6.73%p.a |
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.
Fixed Home Loan - 1 Year
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.23%p.a | 6.15%p.a |
| LVR 60 to 70% | 6.38%p.a | 6.31%p.a |
| LVR 70 to 80% | 6.38%p.a | 6.34%p.a |
| LVR 80 to 90% | 6.68%p.a | 6.78%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.48%p.a | 6.18%p.a |
| LVR 60 to 70% | 6.63%p.a | 6.33%p.a |
| LVR 70 to 80% | 6.63%p.a | 6.37%p.a |
| LVR 80 to 90% | 6.93%p.a | 6.81%p.a |
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.
Fixed Home Loan - 2 Years
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.85%p.a | 6.09%p.a |
| LVR 60 to 70% | 6.00%p.a | 6.24%p.a |
| LVR 70 to 80% | 6.00%p.a | 6.27%p.a |
| LVR 80 to 90% | 6.30%p.a | 6.69%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.10%p.a | 6.13%p.a |
| LVR 60 to 70% | 6.25%p.a | 6.29%p.a |
| LVR 70 to 80% | 6.25%p.a | 6.32%p.a |
| LVR 80 to 90% | 6.55%p.a | 6.74%p.a |
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.
Fixed Home Loan - 3 Years
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.73%p.a | 6.03%p.a |
| LVR 60 to 70% | 5.88%p.a | 6.18%p.a |
| LVR 70 to 80% | 5.88%p.a | 6.21%p.a |
| LVR 80 to 90% | 6.18%p.a | 6.62%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.98%p.a | 6.10%p.a |
| LVR 60 to 70% | 6.13%p.a | 6.25%p.a |
| LVR 70 to 80% | 6.13%p.a | 6.28%p.a |
| LVR 80 to 90% | 6.43%p.a | 6.69%p.a |
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.
Fixed Home Loan - 4 Year
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.83%p.a | 6.03%p.a |
| LVR 60 to 70% | 5.98%p.a | 6.19%p.a |
| LVR 70 to 80% | 5.98%p.a | 6.21%p.a |
| LVR 80 to 90% | 6.28%p.a | 6.61%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.08%p.a | 6.12%p.a |
| LVR 60 to 70% | 6.23%p.a | 6.28%p.a |
| LVR 70 to 80% | 6.23%p.a | 6.30%p.a |
| LVR 80 to 90% | 6.53%p.a | 6.70%p.a |
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.
Fixed Home Loan - 5 Year
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 5.93%p.a | 6.05%p.a |
| LVR 60 to 70% | 6.08%p.a | 6.21%p.a |
| LVR 70 to 80% | 6.08%p.a | 6.23%p.a |
| LVR 80 to 90% | 6.38%p.a | 6.61%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR Below 60% | 6.18%p.a | 6.16%p.a |
| LVR 60 to 70% | 6.33%p.a | 6.32%p.a |
| LVR 70 to 80% | 6.33%p.a | 6.34%p.a |
| LVR 80 to 90% | 6.63%p.a | 6.73%p.a |
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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 8.57%p.a | 8.60%p.a |
| Standard Variable Rate - Interest Only Payments | 8.82%p.a | 8.63%p.a |
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.
Personal Loans
Accelerator Car Loan
| Rate Type | Annual Rate | Comparison Rate6 |
|---|---|---|
| Vehicles under 5 years (Variable rate) | From 6.74%p.a | 7.05%p.a |
| Vehicles 5 to 10 years (Variable rate) | From 11.74%p.a | 12.07%p.a |
Personal Touch Loan
| Rate Type | Annual Rate | Comparison Rate7 |
|---|---|---|
| Variable Interest Rate | 10.24%p.a | 11.60%p.a |
Enviro Loan
| Rate Type | Annual Rate | Comparison Rate7 |
|---|---|---|
| Variable Interest Rate | 7.20%p.a | 8.54%p.a |
Car Loan
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable Interest Rate | From 11.74%p.a | From 12.07%p.a6 |
Personal Loans
| Rate Type | Annual Rate | Comparison Rate7 |
|---|---|---|
| Variable Interest Rate | From 15.99%p.a | From 17.40%p.a |
Term Savings
| Term |
Deposits $1,000 to $500,000
|
|---|---|
| 1 month | 1.50%p.a |
| 2 months | 1.75%p.a |
| 3 months | 3.60%p.a |
| 4 months | 4.35%p.a |
| 6 months | 4.75%p.a |
| 9 months | 4.55%p.a |
| 12 months (1 year) | 4.55%p.a |
| 18 months (1.5 year) | 4.00%p.a |
| 24 months (2 years) | 3.75%p.a |
| 36 months (3 years) | 3.70%p.a |
| 48 months (4 years) | 3.75%p.a |
| 60 months (5 years) | 3.80%p.a |
For maturity dates or terms that are not quoted above, please call our Treasury Department on 132 067 to receive a rate tailored to your specific needs. We can negotiate rates for term deposits over $500,000. Please call 132 067 for more information.
Interest rates are on a per annum basis and are current for new deposits as of today's date and are subject to change. Minimum investment amount and account balance is $1,000.
Interest is calculated daily and paid at the end of the investment term. If you choose to receive interest payments on a fortnightly, monthly, quarterly or semi-annual basis, a 0.15% discount will apply to the interest rate shown above. See the Term Savings product page for full details of how interest is paid.
Savings Accounts
Savings Booster
| Rate Type | Annual Rate |
|---|---|
| Base Interest Rate | 0.00%p.a |
| Boosted Interest Rate (up to $250,000) | 5.00%p.a8 9 |
| Rate Type | Annual Rate |
|---|---|
| Less than $10,000 | 3.25%p.a |
| $10,000 to $99,999 | 3.25%p.a |
| $100,000 to $249,999 | 3.25%p.a |
| $250,000 and over | 3.25%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Credit Cards
Visa Platinum Rewards Credit Card
| Rate Type | Annual Rate |
|---|---|
| Purchase interest rate | 19.99%p.a10 |
| Cash Advance interest rate | 19.99%p.a10 |
| Rate Type | Annual Rate |
|---|---|
| Purchase and Cash Advance interest rate (with a Regional Australia Bank home loan) |
11.69%p.a11 |
| Purchase and Cash Advance interest rate (without an attached home loan) |
14.69%p.a |
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. Terms, conditions, fees, charges and normal lending criteria apply. Refer to Visa Conditions of Use for further details.
Everyday Accounts
Community Partnership Account
| Rate Type | Annual Rate |
|---|---|
| All balances | 0.00%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Freedom Retirement
| Rate Type | Annual Rate |
|---|---|
| Portion less than $2,000 | 1.50%p.a |
| Portion $2,000 to $50,000 | 1.50%p.a |
| Portion $50,000 to $250,0000 | 2.75%p.a |
| Portion $250,000 and over | 2.75%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Home Loans - Discontinued Products - Owner Occupier
Partnership Advantage Home Loan
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable12 | 6.36%p.a | 6.71%p.a |
| Fixed - 1 year | 7.32%p.a | 6.81%p.a |
| Fixed - 2 years | 7.13%p.a | 6.87%p.a |
| Fixed - 3 years | 7.01%p.a | 6.90%p.a |
| Fixed - 4 years | 7.08%p.a | 6.98%p.a |
| Fixed - 5 years | 7.15%p.a | 7.06%p.a |
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable12 | 6.61%p.a | 6.73%p.a |
| Fixed - 1 year | 7.57%p.a | 6.83%p.a |
| Fixed - 2 years | 7.38%p.a | 6.90%p.a |
| Fixed - 3 years | 7.26%p.a | 6.95%p.a |
| Fixed - 4 years | 7.33%p.a | 7.05%p.a |
| Fixed - 5 years | 7.40%p.a | 7.14%p.a |
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.
Mortgage Offset Home Loan
Principal and Interest
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.20%p.a | 6.21%p.a |
| LVR 70% or less | 6.25%p.a | 6.26%p.a |
| LVR 80% or less | 6.30%p.a | 6.31%p.a |
| LVR 90% or less | 6.68%p.a | 6.69%p.a |
| LVR more than 90% | 7.10%p.a | 7.11%p.a |
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 Home Loan 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.
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.
Interest Only
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.45%p.a | 6.23%p.a |
| LVR 70% or less | 6.50%p.a | 6.28%p.a |
| LVR 80% or less | 6.55%p.a | 6.33%p.a |
| LVR 90% or less | 6.93%p.a | 6.72%p.a |
| LVR more than 90% | 7.35%p.a | 7.14%p.a |
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 Home Loan 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.
Mortgage Overdraft
Mortgage Overdraft
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 8.57%p.a | - |
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.
Home Loans - Discontinued Products - Investor
Partnership Advantage Home Loan
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable12 | 6.86%p.a | 7.21%p.a |
| Fixed - 1 year | 7.93%p.a | 7.21%p.a |
| Fixed - 2 years | 7.74%p.a | 7.39%p.a |
| Fixed - 3 years | 7.62%p.a | 7.43%p.a |
| Fixed - 4 years | 7.69%p.a | 7.52%p.a |
| Fixed - 5 years | 7.76%p.a | 7.61%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable12 | 7.11%p.a | 7.23%p.a |
| Fixed - 1 year | 8.18%p.a | 7.34%p.a |
| Fixed - 2 years | 7.99%p.a | 7.43%p.a |
| Fixed - 3 years | 7.87%p.a | 7.49%p.a |
| Fixed - 4 years | 7.94%p.a | 7.59%p.a |
| Fixed - 5 years | 8.01%p.a | 7.70%p.a |
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.
Mortgage Offset Home Loan
Principal and Interest
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.34%p.a | 6.35%p.a |
| LVR 70% or less | 6.50%p.a | 6.51%p.a |
| LVR 80% or less | 6.54%p.a | 6.55%p.a |
| LVR 90% or less | 6.99%p.a | 7.00%p.a |
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.
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.
Interest Only
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| LVR 60% or less | 6.59%p.a | 6.37%p.a |
| LVR 70% or less | 6.75%p.a | 6.54%p.a |
| LVR 80% or less | 6.79%p.a | 6.58%p.a |
| LVR 90% or less | 7.24%p.a | 7.03%p.a |
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 Home Loan 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.
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.
Mortgage Overdraft
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 9.07%p.a | - |
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.
Self-Managed Super Fund Housing Loan
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| SMSF Variable Rate (Residential Security, Principal & Interest Payments) | 9.19%p.a | - |
| Fixed - 1 year |
10.00%p.a | - |
| Fixed - 2 year |
10.10%p.a | - |
| Fixed - 3 year |
10.20%p.a | - |
| Fixed - 5 year |
10.30%p.a | - |
Interest rates are on a per annum basis and are current as of today's date and are subject to negotiation.
Disclaimers
1
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.
2
The discounted interest rate is 1.05%p.a. for a period of 3 years. Discount applied to the advertised Basic Variable (Owner Occupier) Rate, current rates are subject to change. At the end of the 3 year period, the interest rate will revert to a 0.53%p.a. discount to the Basic Variable (Owner Occupier) Rate. Under 80% LVR, and New Business only. Available for owner occupied borrowings over $100,000 or more. Available for a limited time only and not in conjunction with any other discount.
3
The Basic Home Loan Special Offer is only available for owner occupied borrowings over $100,000 with new security. Available for a limited time only and not in conjunction with any other discount.
4
The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. Where an Interest Only rate applies, it is only included in the calculation for the first year, then reverts to the relevant principal and interest rate. 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.
5
Based on $150k over 25 years with 1 year interest only, reverting to the relevant Variable P&I Rate.
6
The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 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
The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 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.
8
Deposit at least $100 and don’t make any withdrawals through the month to receive Boosted interest for that month. Interest payable reverts to Base Interest if these conditions are not met. Interest rates are on a per annum basis and are current as of today's date and are subject to change. This product is not available to businesses, associations or trusts.
9
Interest payable reverts to Base Interest if interest conditions are not met. Base Interest paid on portion of account balance up to $250,000.
This product is not available to associations or trusts. Maximum of one Savings Booster account per member.
10
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. Terms, conditions, fees, charges and normal lending criteria apply. Refer to Visa Conditions of Use for further details.
11
3.00% discount on the standard rate if Your Choice Visa is held on the same membership as an active, funded home loan. Subject to change.
12
The Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Partnership Advantage Home Loans.