Regional Australia Bank
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank · residential mortgages
Provider last updated this product 2026-09-07.
Go to provider
You'll complete your application on
Regional Australia Bank's website. Confirm the rate and fees with them
before applying.
Our fixed-rate home loan is a great option if you'd prefer to lock in your home loan repayments and stay on top of your budgeting.
As published by the lender
- Headline rates - from 5.99% to 7.47%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 6.20% | 5.99% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.95% | 6.97% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.60% | 6.56% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.97% | 6.98% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.92% | 6.44% | OWNER OCCUPIED | INTEREST ONLY | 60 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.20% | 5.95% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.45% | 6.02% | OWNER OCCUPIED | INTEREST ONLY | 12 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.22% | 5.98% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.22% | 6.10% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 5.99% | 5.95% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.39% | 6.10% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.54% | 6.25% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.39% | 6.13% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.45% | 6.11% | OWNER OCCUPIED | INTEREST ONLY | 12 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.85% | 6.27% | OWNER OCCUPIED | INTEREST ONLY | 24 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.85% | 6.33% | OWNER OCCUPIED | INTEREST ONLY | 36 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.79% | 6.33% | OWNER OCCUPIED | INTEREST ONLY | 48 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.52% | 6.20% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.24% | 6.01% | OWNER OCCUPIED | INTEREST ONLY | 36 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.64% | 6.22% | OWNER OCCUPIED | INTEREST ONLY | 48 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.52% | 6.22% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.59% | 6.55% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.45% | 5.97% | OWNER OCCUPIED | INTEREST ONLY | 12 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.97% | 6.97% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.97% | 6.43% | OWNER OCCUPIED | INTEREST ONLY | 48 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.20% | 6.08% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.22% | 6.02% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.09% | 6.08% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.67% | 6.35% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.64% | 6.18% | OWNER OCCUPIED | INTEREST ONLY | 48 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.34% | 6.15% | OWNER OCCUPIED | INTEREST ONLY | 36 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.47% | 7.20% | OWNER OCCUPIED | INTEREST ONLY | 60 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.34% | 7.11% | OWNER OCCUPIED | INTEREST ONLY | 48 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.22% | 7.05% | OWNER OCCUPIED | INTEREST ONLY | 36 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.22% | 7.02% | OWNER OCCUPIED | INTEREST ONLY | 24 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.10% | 6.55% | OWNER OCCUPIED | INTEREST ONLY | 60 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.47% | 6.15% | OWNER OCCUPIED | INTEREST ONLY | 24 months | LVR 70% - 80% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.77% | 6.29% | OWNER OCCUPIED | INTEREST ONLY | 60 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.47% | 6.07% | OWNER OCCUPIED | INTEREST ONLY | 24 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.34% | 6.08% | OWNER OCCUPIED | INTEREST ONLY | 36 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.77% | 6.32% | OWNER OCCUPIED | INTEREST ONLY | 60 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.20% | 7.00% | OWNER OCCUPIED | INTEREST ONLY | 12 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.84% | 6.19% | OWNER OCCUPIED | INTEREST ONLY | 12 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.22% | 7.09% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.85% | 6.70% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 7.09% | 7.02% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | LVR 90% - 95% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.47% | 6.03% | OWNER OCCUPIED | INTEREST ONLY | 24 months | LVR up to 60% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.72% | 6.62% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.60% | 6.57% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | LVR 80% - 90% | calculated daily, paid monthly |
| Loan to Value Ratio (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 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 | 6.09% | 6.01% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | LVR 60% - 70% | calculated daily, paid monthly |
| Loan to Value Ratio (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 rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Late Payment Notice Fee | EVENT | $20 | Applies when you fail to make your contracted repayments by the repayment due date. |
| Title Search | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to perform a title search relating to a property offered, or held, as security for your loan. |
| Loan Top Up Fee | EVENT | $195 | A “top up” is additional borrowing against a property that we hold an existing mortgage over. This fee applies on approval of the additional borrowing. |
| Registration of Transfer | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to register a transfer of land relating to a property held as security for your loan. |
| Registration of Discharge of Mortgage | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to register a discharge of mortgage relating to a property held as security for your loan. |
| Loan Restructure Fee | UPFRONT | $200 | Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage. |
| Agency Settlement/Handing Fee | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan. |
| Break Cost Fee | EXIT | $0 | This fee applies when you want to payout the facility early. |
| Property Valuation Costs | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to value each property offered or held as security at the commencement of your loan, and when required throughout the life of your loan. |
| PEXA Processing Fee | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we process a settlement relating to your loan through PEXA. |
| Discharge of Mortgage Preparation | EVENT | $395 | Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan. |
| Approval Fee | UPFRONT | $0 | Applies when you get your loan approval for funding. |
| Settlement Fee | UPFRONT | $225 | This fee applies when we process an incoming mortgage-secured settlement. |
| Annual Fee | PERIODIC | $0 | Applies every year in the month in which your Regional Australia Bank Home Loan was first funded. |
| Monthly Service Fee | PERIODIC | $0 | The Monthly Service Fee is a flat monthly fee which entitles your Loan. |
| Registration of Mortgage | UPFRONT | - | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to register a mortgage relating to a property offered as security for your loan. |
| Default Notice Fee | EVENT | $30 | Applies when you fail to make your contracted repayments and we are required to issue a default notice to you. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-07-20 | 6.22% | 6.08% |
| 2026-08-08 | 2026-09-06 | 5.99% | 6.02% |
| 2026-09-08 | 2026-09-30 (current) | 5.99% | 5.95% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Ability to split your loan is available with this product
- No Approval, Monthly or Annual Fees.
- A fixed interest rate provides you with certainty over your future repayments during the fixed period.
- Weekly, Fortnightly or Monthly repayments available.
Who can apply
- otherProduct is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
- residency status - Australian ResidentIndividuals must be citizens or permanent residents of Australia.
- otherAs a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- otherMinimum Deposit of 5% is required (with Lenders Mortgage Insurance)
- min age - 18Borrowers must be aged 16 or older to apply. Applicants under 18 years of age, but over 16 years, may only enter into a loan contract with an adult as co-applicant or guarantor.
Limits
- min limit - 500.00The Regional Australia Bank Home Loan is only available for borrowings with over $500 of new lending.
- max lvr - 0.95
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-07T23:40:39.52155Z · Product ID: f4968da6-55cc-4b5e-9ef7-4ca5a276001f