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.
Nominations are opened to fill one Board position at Regional Australia Bank, to be appointed at the AGM on Thursday 20 November 2025. Find out how to nominate and key eligibility criteria.
How to qualify for the Cashback Offer?
Loan Size from $300,000
Minimum Deposit of at Least 20%
Apply before 30 September 2025
Settle by 31 December 2025 and Get Paid Within 90 Days.
Why choose a Home Loan with us?
More than cashback. More reasons to make the switch.
- Competitive rates that can save you thousands over the life of your loan.
- Flexible loan features, like redraw and extra repayments.
- Combine debts into one simple repayment.
- Use equity to invest or renovate.
- Get $2,000 Cashback1 when you switch.
Keen to check your cashback eligibility or just see if we can offer a better deal?
Share a few details and one of our lending specialists will be in touch.
Why we're different as a member-owned bank
Regional Australia Bank is a customer owned bank.
Trusted by regional Australians for 55+ years to achieve their goals.
Pledge more than 5% of our profits back into grass roots community initiatives
Quality, competitively priced products.
How it Works
1. Apply to a Home Loan
Apply online in moments. One of our specialists will call you to progress.
2. Assessment
We'll ask for some documents to help support your finance application.
3. Approval & Contract
If your application assessment is successful, you'll receive formal approval and we'll seek a valuation on the property you want to refinance.
You will also receive the official contract and all the legal documents you need to settle.
4. Settlement
Return your contract documents so you can finalise settlement and receive your cashback -if you qualify- within the next 90 days.
Do I need to refinance to qualify?
No. The cashback is available for both new purchases and refinances if the loan meets all eligibility criteria.
How much Cashback can I get?
You could receive $2,000 if your home loan meets the eligibility criteria and settles during the promotion period.
What happens if I close my loan early?
If the loan is closed or paid out before the cashback is due to be paid, you will no longer be eligible to receive it.
What types of loans are excluded?
Personal loans, commercial loans, SMSF loans, and government-backed loans such as the First Home Guarantee are not eligible.
When will I receive the cashback?
If eligible, the cashback will be paid into your Community Partnership Account within 90 days of settlement.
Who is eligible for the cashback?
You need to borrow at least $300,000, have an LVR of 80% or less, and apply for a home loan to purchase or refinance a residential property.
You must also open or hold a Community Partnership Account before settlement.
Terms and Conditions
Terms and Conditions for the Cashback Offer
When reading this, any reference to:
- We, Us,and Our is a reference to Regional Australia Bank Ltd; and
- You and Your is a reference to the applicant, borrower or member of Regional Australia Bank.
What is the Cashback Offer
The Cash Back Offer consists of $2,000.00 cash back to be paid to you for eligible loans funded within the period of the promotion (Cashback Offer).
How long is the Cashback Offer for?
The Cashback Offer is for the eligible home loan applications received and unconditionally approved from 1 July 2025 until 30 September 2025 and funded by 31 December 2025 (Period of Promotion).
Who is eligible for the Cashback Offer?
To be eligible for the Cashback Offer, you must: -
- Borrow a minimum of $300,000 new funds from Regional Australia Bank (either as a standalone loan or aggregated across multiple eligible loans); and
- Have a loan-to-value ratio (LVR) less than or equal to 80%; and
- Use the loan for a Purchase or Refinance application (including both Owner Occupied and Investment purposes); and
- If applying for bridging finance, the residual debt (that is the debt remaining after settlement of any sale and initial paydown of the bridging finance) is greater than $300,000.00; and
- Hold or open a Community Partnership Account prior to the funding date.
Eligible Home Loan Type means a Regional Australia Bank Home Loan.
This offer is only available for the Eligible Home Loan Types secured by residential security and is not available for any other loan product including but not limited to the personal loan(s), commercial facilities, self-managed superfunds.
The Cashback Offer is limited to one payment, irrespective of the number of applicants or applications. No further loans in the name of either applicant (whether jointly or individually) will be eligible for the Cashback Offer.
Loan applications, and the Cashback Offer, are subject to our standard credit assessment and approval process.
Borrowers who receive the Cashback Offer are not eligible for any other promotional payments offered by us.
Loans under any Government Guarantee scheme (e.g., First Home Guarantee) are excluded from this campaign.
How will the Cashback offer be paid?
Cash payment
The Cashback Offer will only be paid to your Community Partnership Account held with Regional Australia Bank. If you hold more than one Community Partnership Account, we will determine which account will receive the payment.
The Community Partnership Account must be in the name of the approved Borrower(s).
When will the Cashback Offer be paid?
The Cashback Offer will be paid within ninety (90) days of the loan being funded.
Tax Implications
You should obtain independent advice in relation to any tax consequences before applying for the Cashback Offer.
We accept no responsibility for any tax implications for the borrowers.
Acceptance
By submitting an eligible home loan application for the Cashback Offer you acknowledge and accept the terms contained in this Cashback Offer conditions of use.
Regional Australia Bank reserves the right to refuse payment to any individual we believe is involved in any way in interfering or undermining the intended operation of the Offer.
If the loan is closed or paid out before the Cashback payment is due to be made, the loan will no longer be eligible for the Cashback payment.
Additional Documents
This document should be read in conjunction with our Account & Access Facility Conditions of Use, Fees and Charges, Summary of Account and Availability of Access Facilities, Privacy Notice and Privacy Policy
This Cashback Offer and any term contained in these Conditions of Use, maybe varied, withdrawn or extended by us at any time. We will act reasonable in making these changes and only do so for legitimate business purposes. We will provide reasonable notice (which, depending on the nature of the change may be before or after the change is made) by publication on our website and we encourage you to frequently view the Cashback Offer Conditions of Use published.
Disclaimers
1
$2,000 cashback for loans $300,000 and over. Offer applies to new eligible home loans, LVR of 80% or lower. Applications and approvals from 01/07/2025 until 30/09/2025 and funded by 31/12/2025. Cashback amount to be paid to your eligible Community Partnership Account within 90 days of loan being funded. One cashback applies to all applicants, regardless of the number of applications submitted during the eligibility period. Eligibility criteria, exclusions, fees & credit criteria applies. Only available on certain lending products. Please refer to the full terms and conditions located in link above. Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if a product is right for you. Regional Australia Bank Ltd ABN 21 087 650 360 AFSL & Australian Credit Licence 241167.