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.
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Interest Rates
View current interest rates for our range home loans, personal loans, term deposits, accounts and credit cards.
Regional Australia Bank Home Loan
Home Loan without Offset - Owner Occupier, Principal and Interest - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 5.56%p.a | 5.57%p.a |
| LVR 70% or less | 5.64%p.a | 5.65%p.a |
| LVR 80% or less | 5.70%p.a | 5.71%p.a |
| LVR 90% or less | 6.02%p.a | 6.03%p.a |
| LVR more than 90% | 6.44%p.a | 6.45%p.a |
| Standard Variable | 7.57%p.a | 7.60%p.a |
Home Loan without Offset - Owner Occupier, Interest Only - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 5.81%p.a | 5.59%p.a |
| LVR 70% or less | 5.89%p.a | 5.67%p.a |
| LVR 80% or less | 5.95%p.a | 5.73%p.a |
| LVR 90% or less | 6.27%p.a | 6.05%p.a |
| LVR more than 90% | 6.69%p.a | 6.48%p.a |
| Standard Variable | 7.82%p.a | 7.62%p.a |
Home Loan with Offset - Owner Occupier, Principal and Interest - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 5.77%p.a | 5.78%p.a |
| LVR 70% or less | 5.85%p.a | 5.86%p.a |
| LVR 80% or less | 5.91%p.a | 5.92%p.a |
| LVR 90% or less | 6.23%p.a | 6.2%p.a |
| LVR more than 90% | 6.65%p.a | 6.66%p.a |
| Standard Variable | 7.57%p.a | 7.60%p.a |
Home Loan with Offset - Owner Occupier, Interest Only - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 6.02%p.a | 5.80%p.a |
| LVR 70% or less | 6.10%p.a | 5.88%p.a |
| LVR 80% or less | 6.16%p.a | 5.94%p.a |
| LVR 90% or less | 6.48%p.a | 6.26%p.a |
| LVR more than 90% | 6.90%p.a | 6.69%p.a |
| Standard Variable | 7.82%p.a | 7.62%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 1 Year - Fixed Rates 5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.40%p.a | 5.67%p.a |
| LVR 60 to 70% | 5.40%p.a | 5.73%p.a |
| LVR 70 to 80% | 5.50%p.a | 5.79%p.a |
| LVR 80 to 90% | 5.68%p.a | 6.09%p.a |
| LVR more than 90% | 6.16%p.a | 6.52%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 1 Year - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.65%p.a | 5.70%p.a |
| LVR 60 to 70% | 5.65%p.a | 5.75%p.a |
| LVR 70 to 80% | 5.75%p.a | 5.81%p.a |
| LVR 80 to 90% | 5.93%p.a | 6.83%p.a |
| LVR more than 90% | 6.41%p.a | 6.54%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 2 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.25%p.a | 5.62%p.a |
| LVR 60 to 70% | 5.25%p.a | 5.66%p.a |
| LVR 70 to 80% | 5.35%p.a | 5.73%p.a |
| LVR 80 to 90% | 5.52%p.a | 6.02%p.a |
| LVR more than 90% | 6.00%p.a | 6.45%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 2 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.50%p.a | 5.66%p.a |
| LVR 60 to 70% | 5.50%p.a | 5.71%p.a |
| LVR 70 to 80% | 5.60%p.a | 5.78%p.a |
| LVR 80 to 90% | 5.77%p.a | 5.81%p.a |
| LVR more than 90% | 6.25%p.a | 6.50%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 3 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.30%p.a | 5.59%p.a |
| LVR 60 to 70% | 5.30%p.a | 5.63%p.a |
| LVR 70 to 80% | 5.39%p.a | 5.70%p.a |
| LVR 80 to 90% | 5.57%p.a | 5.98%p.a |
| LVR more than 90% | 6.05%p.a | 6.42%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 3 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.55%p.a | 5.66%p.a |
| LVR 60 to 70% | 5.55%p.a | 5.70%p.a |
| LVR 70 to 80% | 5.64%p.a | 5.77%p.a |
| LVR 80 to 90% | 5.82%p.a | 5.82%p.a |
| LVR more than 90% | 6.30%p.a | 6.49%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 4 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.52%p.a | 5.64%p.a |
| LVR 60 to 70% | 5.52%p.a | 5.68%p.a |
| LVR 70 to 80% | 5.61%p.a | 5.75%p.a |
| LVR 80 to 90% | 5.79%p.a | 6.02%p.a |
| LVR more than 90% | 6.27%p.a | 6.46%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 4 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.77%p.a | 5.73%p.a |
| LVR 60 to 70% | 5.77%p.a | 5.77%p.a |
| LVR 70 to 80% | 5.86%p.a | 5.84%p.a |
| LVR 80 to 90% | 6.04%p.a | 5.90%p.a |
| LVR more than 90% | 6.52%p.a | 6.55%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 5 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.74%p.a | 5.72%p.a |
| LVR 60 to 70% | 5.74%p.a | 5.75%p.a |
| LVR 70 to 80% | 5.83%p.a | 5.83%p.a |
| LVR 80 to 90% | 6.01%p.a | 6.09%p.a |
| LVR more than 90% | 6.49%p.a | 6.53%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 5 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.99%p.a | 5.82%p.a |
| LVR 60 to 70% | 5.99%p.a | 5.86%p.a |
| LVR 70 to 80% | 6.08%p.a | 5.93%p.a |
| LVR 80 to 90% | 6.26%p.a | 6.01%p.a |
| LVR more than 90% | 6.74%p.a | 6.64%p.a |
Investor Home Loans
Regional Australia Bank Home Loan
Home Loan without Offset - Investor, Principal and Interest - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 5.70%p.a | 5.71%p.a |
| LVR 70% or less | 5.91%p.a | 5.92%p.a |
| LVR 80% or less | 5.96%p.a | 5.97%p.a |
| LVR 90% or less | 6.33%p.a | 6.34%p.a |
| Standard Variable | 8.07%p.a | 8.10%p.a |
Home Loan without Offset - Investor, Interest Only - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 5.95%p.a | 5.73%p.a |
| LVR 70% or less | 6.16%p.a | 5.94%p.a |
| LVR 80% or less | 6.21%p.a | 5.99%p.a |
| LVR 90% or less | 6.58%p.a | 6.36%p.a |
| Standard Variable | 8.32%p.a | 8.10%p.a |
Home Loan with Offset - Investor, Principal and Interest - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 5.91%p.a | 5.92%p.a |
| LVR 70% or less | 6.12%p.a | 6.13%p.a |
| LVR 80% or less | 6.17%p.a | 6.18%p.a |
| LVR 90% or less | 6.54%p.a | 6.55%p.a |
| Standard Variable | 8.07%p.a | 8.10%p.a |
Home Loan with Offset - Investor, Interest Only - Variable Rates
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR 60% or less | 6.16%p.a | 5.94%p.a |
| LVR 70% or less | 6.37%p.a | 6.15%p.a |
| LVR 80% or less | 6.42%p.a | 6.20%p.a |
| LVR 90% or less | 6.79%p.a | 6.58%p.a |
| Standard Variable | 8.32%p.a | 8.13%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 1 Year - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.62%p.a | 5.80%p.a |
| LVR 60 to 70% | 5.76%p.a | 6.00%p.a |
| LVR 70 to 80% | 5.84%p.a | 6.06%p.a |
| LVR 80 to 90% | 6.02%p.a | 6.41%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 1 Year - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.87%p.a | 5.83%p.a |
| LVR 60 to 70% | 6.01%p.a | 6.03%p.a |
| LVR 70 to 80% | 6.09%p.a | 6.08%p.a |
| LVR 80 to 90% | 6.27%p.a | 6.43%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 2 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.46%p.a | 5.75%p.a |
| LVR 60 to 70% | 5.60%p.a | 5.95%p.a |
| LVR 70 to 80% | 5.69%p.a | 6.01%p.a |
| LVR 80 to 90% | 5.87%p.a | 6.34%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 2 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.71%p.a | 5.80%p.a |
| LVR 60 to 70% | 5.85%p.a | 6.00%p.a |
| LVR 70 to 80% | 5.94%p.a | 6.05%p.a |
| LVR 80 to 90% | 6.12%p.a | 6.39%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 3 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.51%p.a | 5.74%p.a |
| LVR 60 to 70% | 5.65%p.a | 5.93%p.a |
| LVR 70 to 80% | 5.73%p.a | 5.99%p.a |
| LVR 80 to 90% | 5.92%p.a | 6.30%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 3 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.76%p.a | 5.81%p.a |
| LVR 60 to 70% | 5.90%p.a | 6.00%p.a |
| LVR 70 to 80% | 5.98%p.a | 6.06%p.a |
| LVR 80 to 90% | 6.17%p.a | 6.37%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 4 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.73%p.a | 5.79%p.a |
| LVR 60 to 70% | 5.87%p.a | 5.98%p.a |
| LVR 70 to 80% | 5.95%p.a | 6.04%p.a |
| LVR 80 to 90% | 6.14%p.a | 6.34%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 4 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.98%p.a | 5.88%p.a |
| LVR 60 to 70% | 6.12%p.a | 6.06%p.a |
| LVR 70 to 80% | 6.20%p.a | 6.13%p.a |
| LVR 80 to 90% | 6.39%p.a | 6.43%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 5 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 5.95%p.a | 5.88%p.a |
| LVR 60 to 70% | 6.09%p.a | 6.06%p.a |
| LVR 70 to 80% | 6.17%p.a | 6.12%p.a |
| LVR 80 to 90% | 6.36%p.a | 6.41%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 5 Years - Fixed Rates5
| Rate Type1 2 | Annual Rate3 | Comparison Rate4 |
|---|---|---|
| LVR Below 60% | 6.20%p.a | 5.98%p.a |
| LVR 60 to 70% | 6.34%p.a | 6.16%p.a |
| LVR 70 to 80% | 6.42%p.a | 6.23%p.a |
| LVR 80 to 90% | 6.61%p.a | 6.52%p.a |
Personal Loans
Accelerator Car Loan
| Rate Type | Annual Rate | Comparison Rate6 |
|---|---|---|
| Vehicles under 5 years (Variable rate) | From 6.74%p.a | 7.05%p.a |
| Vehicles 5 to 10 years (Variable rate) | From 11.74%p.a | 12.07%p.a |
Personal Touch Loan
| Rate Type | Annual Rate | Comparison Rate7 |
|---|---|---|
| Variable Interest Rate | 10.24%p.a | 11.60%p.a |
Enviro Loan
| Rate Type | Annual Rate | Comparison Rate7 |
|---|---|---|
| Variable Interest Rate | 7.20%p.a | 8.54%p.a |
Car Loan
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable Interest Rate | From 11.74%p.a | From 12.07%p.a6 |
Personal Loans
| Rate Type | Annual Rate | Comparison Rate7 |
|---|---|---|
| Variable Interest Rate | From 15.99%p.a | From 17.40%p.a |
Term Savings
| Term |
Deposits $1,000 to $500,000
|
|---|---|
| 1 month | 1.35%p.a |
| 2 months | 1.60%p.a |
| 3 months | 3.20%p.a |
| 4 months | 4.40%p.a |
| 6 months | 4.30%p.a |
| 9 months | 4.15%p.a |
| 12 months (1 year) | 4.05%p.a |
| 18 months (1.5 year) | 3.60%p.a |
| 24 months (2 years) | 3.50%p.a |
| 36 months (3 years) | 3.45%p.a |
| 48 months (4 years) | 3.35%p.a |
| 60 months (5 years) | 3.40%p.a |
For maturity dates or terms that are not quoted above, please call our Treasury Department on 132 067 to receive a rate tailored to your specific needs. We can negotiate rates for term deposits over $500,000. Please call 132 067 for more information.
Interest rates are on a per annum basis and are current for new deposits as of today's date and are subject to change. Minimum investment amount and account balance is $1,000.
Interest is calculated daily and paid at the end of the investment term. If you choose to receive interest payments on a fortnightly, monthly, quarterly or semi-annual basis, a 0.15% discount will apply to the interest rate shown above. See the Term Savings product page for full details of how interest is paid.
Savings Accounts
Savings Booster
| Rate Type | Annual Rate |
|---|---|
| Base Interest Rate | 0.00%p.a |
| Boosted Interest Rate (up to $250,000) | 4.50%p.a8 9 |
| Rate Type | Annual Rate |
|---|---|
| Less than $10,000 | 2.75%p.a |
| $10,000 to $99,999 | 2.75%p.a |
| $100,000 to $249,999 | 2.75%p.a |
| $250,000 and over | 2.75%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Credit Cards
Visa Platinum Rewards Credit Card
| Rate Type | Annual Rate |
|---|---|
| Purchase interest rate | 19.99%p.a10 |
| Cash Advance interest rate | 19.99%p.a10 |
| Rate Type | Annual Rate |
|---|---|
| Purchase and Cash Advance interest rate (with a Regional Australia Bank home loan) |
11.69%p.a11 |
| Purchase and Cash Advance interest rate (without an attached home loan) |
14.69%p.a |
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. Terms, conditions, fees, charges and normal lending criteria apply. Refer to Visa Conditions of Use for further details.
Everyday Accounts
Community Partnership Account
| Rate Type | Annual Rate |
|---|---|
| All balances | 0.00%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Freedom Retirement
| Rate Type | Annual Rate |
|---|---|
| Portion less than $2,000 | 1.00%p.a |
| Portion $2,000 to $50,000 | 1.00%p.a |
| Portion $50,000 to $250,0000 | 2.25%p.a |
| Portion $250,000 and over | 2.25%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Home Loans - Discontinued Products - Owner Occupier
Partnership Advantage Home Loan
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| Variable13 | 6.36%p.a | 6.71%p.a |
| Fixed - 1 year | 7.32%p.a | 6.81%p.a |
| Fixed - 2 years | 7.13%p.a | 6.87%p.a |
| Fixed - 3 years | 7.01%p.a | 6.90%p.a |
| Fixed - 4 years | 7.08%p.a | 6.98%p.a |
| Fixed - 5 years | 7.15%p.a | 7.06%p.a |
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| Variable13 | 6.61%p.a | 6.73%p.a |
| Fixed - 1 year | 7.57%p.a | 6.83%p.a |
| Fixed - 2 years | 7.38%p.a | 6.90%p.a |
| Fixed - 3 years | 7.26%p.a | 6.95%p.a |
| Fixed - 4 years | 7.33%p.a | 7.05%p.a |
| Fixed - 5 years | 7.40%p.a | 7.14%p.a |
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.
Mortgage Offset Home Loan
Principal and Interest
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| LVR 60% or less | 6.20%p.a | 6.21%p.a |
| LVR 70% or less | 6.25%p.a | 6.26%p.a |
| LVR 80% or less | 6.30%p.a | 6.31%p.a |
| LVR 90% or less | 6.68%p.a | 6.69%p.a |
| LVR more than 90% | 7.10%p.a | 7.11%p.a |
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.
The LVR Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Mortgage Offset Home Loans.
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 Only
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| LVR 60% or less | 6.45%p.a | 6.23%p.a |
| LVR 70% or less | 6.50%p.a | 6.28%p.a |
| LVR 80% or less | 6.55%p.a | 6.33%p.a |
| LVR 90% or less | 6.93%p.a | 6.72%p.a |
| LVR more than 90% | 7.35%p.a | 7.14%p.a |
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.
The LVR Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Mortgage Offset Home Loans.
Mortgage Overdraft
Mortgage Overdraft
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 8.57%p.a | - |
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.
Basic Home Loan
For applications from 15/12/2022
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| Basic Variable 3-year Introductory Discount Offer - Principal & Interest Payments ($100,000+) | 6.14%p.a14 | 6.57%p.a |
| Basic Home Loan Special Offer - Principal & Interest Payments ($100,000+) | 6.51%p.a15 | 6.54%p.a |
| Basic Home Loan Special Offer - Interest Only Payments ($100,000+) | 6.64%p.a15 | 6.44%p.a |
| Basic Variable Rate - Principal & Interest Payments | 7.19%p.a | 7.22%p.a |
| Basic Variable Rate - Interest Only Payments | 7.44%p.a | 7.24%p.a |
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.
Please note: Current interest rates for Basic Home Loan applications prior to 1/12/2020 are available in the Interest Rates for Non-Featured Products .
Standard Variable Home Loan
| Rate Type | Annual Rate | Comparison Rate4 |
|---|---|---|
| Standard Variable |
7.82%p.a |
7.85%p.a |
Home Loans - Discontinued Products - Investor
Partnership Advantage Home Loan
Principal & Interest Payments
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| Variable13 | 6.86%p.a | 7.21%p.a |
| Fixed - 1 year | 7.93%p.a | 7.21%p.a |
| Fixed - 2 years | 7.74%p.a | 7.39%p.a |
| Fixed - 3 years | 7.62%p.a | 7.43%p.a |
| Fixed - 4 years | 7.69%p.a | 7.52%p.a |
| Fixed - 5 years | 7.76%p.a | 7.61%p.a |
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.
Interest Only Payments
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| Variable13 | 7.11%p.a | 7.23%p.a |
| Fixed - 1 year | 8.18%p.a | 7.34%p.a |
| Fixed - 2 years | 7.99%p.a | 7.43%p.a |
| Fixed - 3 years | 7.87%p.a | 7.49%p.a |
| Fixed - 4 years | 7.94%p.a | 7.59%p.a |
| Fixed - 5 years | 8.01%p.a | 7.70%p.a |
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.
Mortgage Offset Home Loan
Principal and Interest
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| LVR 60% or less | 6.34%p.a | 6.35%p.a |
| LVR 70% or less | 6.50%p.a | 6.51%p.a |
| LVR 80% or less | 6.54%p.a | 6.55%p.a |
| LVR 90% or less | 6.99%p.a | 7.00%p.a |
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.
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 Only
| Rate Type | Annual Rate | Comparison Rate12 |
|---|---|---|
| LVR 60% or less | 6.59%p.a | 6.37%p.a |
| LVR 70% or less | 6.75%p.a | 6.54%p.a |
| LVR 80% or less | 6.79%p.a | 6.58%p.a |
| LVR 90% or less | 7.24%p.a | 7.03%p.a |
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.
The LVR Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Mortgage Offset Home Loans.
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.
Mortgage Overdraft
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 9.07%p.a | - |
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.
Self-Managed Super Fund Housing Loan
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| SMSF Variable Rate (Residential Security, Principal & Interest Payments) | 9.19%p.a | - |
| Fixed - 1 year |
10.00%p.a | - |
| Fixed - 2 year |
10.10%p.a | - |
| Fixed - 3 year |
10.20%p.a | - |
| Fixed - 5 year |
10.30%p.a | - |
Interest rates are on a per annum basis and are current as of today's date and are subject to negotiation.
Basic Home Loan
For applications from 15/12/2022
| Rate Type | Annual Rate | Comparison Rate16 |
|---|---|---|
| Basic Variable Rate - Principal & Interest Payments | 7.59%p.a | 7.62%p.a |
| Basic Variable Rate - Interest Only Payments | 7.84%p.a | 7.65%p.a |
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.
The Basic Home Loan is only available for owner occupied or residential investment borrowings with over $100,000 of new lending.
Standard Variable
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable |
8.32%p.a |
8.35%p.a |
Disclaimers