Support for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
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.
Commercial Overdraft
Manage your cash flow efficiently with our Business Overdraft facility.
Manage your cash flow efficiently with our Business Overdraft facility.
Designed to provide your business with flexible access to additional funds, this service helps you cover short-term expenses and manage working capital needs without the hassle of reapplying for credit. Enjoy the convenience of only paying interest on the amount you use, with competitive rates and tailored limits to suit your business requirements.3 4 5
Why does the commercial overdraft suit you?
Features & Benefits
Features
| Split loans available | Variable rates only |
| Repayment options | Interest only |
| Minimum amount | $500 |
| Maximum term | N/A |
| Advance payments | N/A |
| Redraw | N/A |
| Repayment frequency | No regular scheduled repayments |
| Minimum deposit (No LMI) |
20% (residential security) 35% (commercial security) 40% (rural security) N/A (unsecured) |
Rates
| Interest Rates | Contact our Commercial Lending Team for details |
Fees
| Monthly service fee | None |
| Redraw fee | N/A |
| Approval fee | Contact our Commercial Lending Team for details |
Want to know more about our Business Loans?
Fill in the form below and we will get back to you as soon as possible.
You may also be interested in
Mortgage Secured Commercial Loans
Whether secured by residential, commercial or rural property our dedicated Commercial Lending Team can tailor a commercial mortgage to meet your long term finance needs.
Non-Mortgage Secured Commercial Loans
Offering competitive rates and flexible terms without the need for property collateral, this loan is ideal for managing cash flow, upgrading equipment, or expanding operations.
Account management and support
For help with managing your account, including online access, and other features, contact our support team.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Technical support
If you experience any technical issues with online access or account features, our team is available to assist you.
Disclaimers
1
Payments are usually received by the beneficiary bank within 1 to 3 business days after receipt of funds by Convera in accordance with payment instructions. There is no delivery period guarantee. Some currencies may take longer than others to process.
2
Regional Australia Bank has entered into contractual arrangements with Convera Australia Pty Ltd (ACN 150 129 749; AFSL 404092) (“Convera”), to assist it in fulfilling certain foreign exchange and payment services, including telegraphic transfers. The relationship relating to the product or services described is solely between you and Regional Australia Bank.
Fees and charges may apply, depending upon the product or service.
Full terms and conditions are available here. Convera does not give any advice, general, personal or otherwise. This information has been provided without taking into account of your objectives, financial situation or needs. This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied, are made in this communication.
3
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
4
Please refer to the Product Details and Conditions of Use when considering if this product is right for you.
5
Regional Australia Bank is the issuer of the product.