Get $1500 cash

when you switch your home loan of $200,000 or more from another financial institution and partner it with a CGU Insurance quote.

Enquire Online Now

What would you do with $10,000?

Find your feel good home loan

Choose a calculator to compare our loans and see how much you could afford to borrow and repay based on your income, deposit size and circumstances.

What’s the right loan for me?

Answer 4 questions to narrow down search results and see the best home loan for you.

What’s the right loan for me?

Answer 4 questions to narrow down search results and see the best home loan for you.

    For a loan of $250,000 over 30 years these home loans are recommended

    We’re here to help

    Call one of our friendly staff on 132 067 or send us your details and we’ll contact you.

    Disclaimers

    We are getting the best home loans for you...
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    Am I eligible?

    Answer these quick questions to see your eligibility for a home loan.

    Am I eligible?

    Answer these quick questions to see your eligibility for a home loan.

      Yes. Based on your answers, it’s likely that you would be eligible for a $250,000 loan over a 30 years term.
      Please select a home loan product to continue.

      My house is
      I would like to repay
      I would like

      Please note that this is a guide to your eligibility and not constitute an approval. Applications are subject to Regional Australia Bank credit assessment. The below interest rates are indicative only and may be subject to change.

      We’re here to help

      Call one of our friendly staff on 132 067 or send us your details and we’ll contact you.

      Disclaimers

      We are getting the best home loans for you...
      Close

      What will my repayments be?

      Calculate your repayments and experiment with different scenarios.

      The feel good factor

      Over $1.5m donated in 2018

      We are committed to supporting regional Australia and using banking as a force for good, by donating over $1.5M p.a. to grass roots initiatives.

      We make banking easy

      When surveyed, 91% of our customers agreed banking with us is easy.a

      92% customer satisfaction rating

      A Roy Morgan survey confirmed we have some of the most satisfied customers in Australia.a

      Home Loan Specialists who come to where you are

      Our team are experts in their field, and get a real kick out of helping you achieve your lifestyle goals.

      Better digital banking

      Convenient access to your money 24/7 for feel good banking on the go, so you can support regional Australia wherever you are.

      Celebrating 50 years

      We're celebrating 50 years of giving value back to regional Australians... and it feels good.

      a Regional Australia bank Annual Member Survey July 2018, conducted by Roy Morgan Research (sample size = 1979)

      Trusted by the happiest customers

      My contact for my loans is absolutely fantastic, and an absolute credit to your organisation. Anytime I need to contact her, its always an easy and efficient process, couldn't be happier.
      L LucasBellingen, NSW
      The customer service and the feeling of security I receive whenever I am dealing with this bank feels good. I have never had a bad experience with this bank.
      A KlaassensCoburg, VIC
      Excellent Internet Banking facilities for day-to-day things and really good customer service for more complex things such as mortgages or account changes.
      A BellEnoggera, QLD,

      Get covered with CGU

      Feel good knowing the home you worked hard for is covered by an insurer with 160 years experience. CGU, our partner in Home Insurance provides cover for your home, contents, or both under the same policy.

      Aside from reassurance that your home and contents are fully protected, you'll also enjoy;

      • New for old replacement.
      • Automatic flood cover.
      • Direct payment from your account with us.
      • Optional valuable items cover for contents outside of the home.
      • Flexible payment options.
      • Convenient 24/7 claims service.

      We make switching and refinancing easy

      With competitive rates across our entire range of home loans, you can also expect great service that makes the whole refinancing process easy. Take a look at the steps below to see how simple it can be.

      1. Apply

      Apply online in moments. One of our specialists will call you to progress.

      2. Assessment

      We ask for some documents and do a valuation on your property.

      3. Approval

      We'll assess your application and contact you on the outcome.

      4. Contract

      If successful, we'll provide loan documents you need to sign.

      5. Settlement

      We'll complete this for you, even contact your current loan provider to arrange settlement.

      6. Feel Good

      Sit back and enjoy feel good banking.

      Terms and Conditions for “Network-wide $10,000 Cash Giveaway” 1
      1. Information on how to enter the Network-wide $10,000 Cash Giveaway (Promotion) and the prize that forms part of these conditions of entry. This Promotion is being conducted by Regional Australia Bank Ltd ABN 21 087 650 360, AFSL and Australian Credit Licence 241167, Technology Park, Madgwick Drive, Armidale NSW 2350, (Promoter).
      2. The Promotion term is from 9:00am on the 10th February 2023 to 5:00 pm on 11 December 2023 (Promotion Term). Regional Australia Bank may amend the Promotion Term at their sole discretion.
      3. To be eligible you must be over the age of sixteen (16) years and complete a Regional Australia Bank 10k Giveaway Questionnaire (Form).
      4. Regional Australia Bank staff and immediate family are not eligible to enter the Promotion.
      5. During the Promotion Term, each entrant is only permitted to submit one entry in the Promotion.
      6. The Promotion will be conducted via the following channels: online at Regional Australia Bank’s website, via QR code, at your nearest Regional Australia Bank branch, or at an event stand where Regional Australia Bank has been represented (subject to availability of the Form).
      7. The prize consists of one prize of $10,000.00 (Prize). The Prize is in $AUD not transferable or redeemable for cash in a foreign currency.
      8. The winner must, if not already, become a member of Regional Australia Bank and open a suitable deposit account in their name to claim the Prize.
      9. The winner of the Prize will be randomly drawn on 15 December 2023 at Regional Australia Bank, New England Technology Park, Madgwick Drive Armidale NSW 2350 (Draw). The winner will be notified via phone within two (2) days of the draw. The contact details used to notify the winners will be obtained from the contact details provided on the Form as submitted for the Promotion.
      10. In the event that the winner cannot be contacted after a period of three (3) months or the winner does not become a member of Regional Australia Bank within seven (7) days of being notified of the Draw a replacement winner will be randomly drawn and the original winner will forfeit any and all right to the Prize.
      11. The Prize will be deposited into the winners nominated Regional Australia Bank Account within fourteen (14) days of the winner being notified of the Draw.
      12. The Promoter will not be liable for claims, losses, damages, injuries, costs, and expenses suffered or sustained or incurred, including but not limited to indirect or consequential loss, arising out of or in any way connected with the Promotion.
      13. The Promoter accepts no responsibility for any tax implications that may arise from the Prize and independent advice should be sought at the winner’s discretion.
      14. Regional Australia Bank’s decision is final and binding in all respects on all entrants.
      15. Entries that do not comply in full with these entry terms and conditions will not be eligible to be entered into the Draw.
      16. The name and photograph of the winner may be used by Regional Australia Bank for publicity purposes. The winner agrees to allow Regional Australia Bank to use their name and likeness for advertising and publicity purposes without additional remuneration.
      17. Completing a Form during the Promotion Term will be deemed as acceptance of these Terms and Conditions.

      Privacy Statement

      Any Personal Information provided by you in your Form, will be held securely. Your information will be used for the purposes of managing and administering the competition including notifying you if you are a winner and may also be used to assist us in assessing which products and services may suit you. Your Personal Information will be held, for as long as necessary to fulfill the purposes for which it has been collected, before being securely destroyed or de-identified. For a full version of Regional Australia Bank’s Privacy Policy refer to www.regionalaustraliabank.com.au