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 RBA announcement, Regional Australia Bank will be passing on the full 0.25% cash rate decrease to our existing members who are on variable rate home loans. Find out more
How to Qualify for the Cashback Offer?
Loan Size from $250,000
Minimum Deposit of at Least 20%
Apply before 30 June 2025
Settle by 30 September 2025 and Get Paid Within 60 Days.
Why Taking 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 up to $4,000 Cashback1 when you switch
Whether you’re buying your first home, refinancing or simply looking for better loan terms. Our team of home loan specialists are dedicated to guiding you through every step of the process.
With competitive interest rates and tailored services, we aim to make your home loan experience as smooth and beneficial as possible. Contact us today!
You can download a copy of the Terms & Conditions of this offer
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.
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 60 days.
Disclaimers
1
$2,000 cash back for borrowers settling between $250,000 to $499,999.99. $3,000 cash back for borrowers settling between $500,000 to 749,999.99. $4,000 cash back for borrowers settling $750,000 and over. Offer applies to new eligible home loans with an LVR of 80% or lower. Applications and approvals from 08/11/2024 until 30/06/2025 and funded by 30/09/2025. Cash back amount to be paid to your eligible Regional Australia Bank account within 60 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 apply. Only available on certain lending products. Please refer to the terms and conditions. Normal lending criteria applies.
Regional Australia Bank Ltd ABN 21 087 650 360 AFSL & Australian Credit Licence 241167.