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.
LVR 60% or less (3 Year Fixed, conditions apply)
6.22% p.a
1
LVR 60% or less (3 Year Fixed, conditions apply) - Comparison Rate
5.90% p.a
2
Making home ownership simple and flexible
Ready to take the next step towards owning your home? At Regional Bank Australia, we offer a fixed rate home loan you can depend on. Whether you’re buying your first home, refinancing, or looking to invest, our competitive fixed rates ensure stability in your repayments.
Once your loan is approved, you can secure your interest rate for a set period of 1 to 5 years, giving you certainty in your repayments. Plus, applying online is quick and easy, with no upfront application fees.3 4 5
A fixed rate home loan you can rely on, offering:
Why choose a Regional Australia Bank Fixed Home Loan?
Calculate your mortgage repayments6 7
Competitive rates designed to help you save
Our fixed rate home loan offers competitive interest rates whether you're buying your first home or refinancing. With a fixed rate, you’ll enjoy the confidence of knowing your repayments won’t change for a set period, helping you plan ahead with certainty. At Regional Australia Bank, we’re here to support you with dependable options that bring stability to your financial future.
Features
| Borrow purpose | Owner Occupier, Investor |
| Family guarantee | Yes |
| Construction purpose | Yes |
| Interest rate | Fixed |
| Repayment frequency | Weekly, Fortnightly or Monthly |
| Advance payments | Up to $10,000 per year 9 |
| Redraw | No |
| 100% offset accounts | No |
| Split loans minimum amount | $500 |
| Maximum term | 5 years |
| Minimum deposit (without Lenders Mortgage Insurance) | 20% |
| Minimum deposit (with Lenders Mortgage Insurance) | 5% |
| Interest only option | Yes, up to 5 years 10 |
| Home guarantee loans | Yes |
| LVR 60% or less (3 Year Fixed, conditions apply) | 6.22% p.a1 |
| LVR 60% or less (3 Year Fixed, conditions apply) - Comparison Rate | 5.90% p.a2 |
Regional Australia Bank Home Loan - Fixed Rates
Regional Australia Bank Home Loan
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 1 Year - Fixed Rates 8
| Rate Type6 7 | Annual Rate1
|
Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.20%p.a | 5.81%p.a |
| LVR 60 to 70% | 6.20%p.a | 5.81%p.a |
| LVR 70 to 80% | 6.20%p.a | 5.90%p.a |
| LVR 80 to 90% | 6.59%p.a | 6.33%p.a |
| LVR more than 90% | 6.95%p.a | 6.75%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 1 Year - Fixed Rates8
| Rate Type6 7 | Annual Rate1
|
Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.45%p.a | 5.84%p.a |
| LVR 60 to 70% | 6.45%p.a | 5.84%p.a |
| LVR 70 to 80% | 6.45%p.a | 5.93%p.a |
| LVR 80 to 90% | 6.84%p.a | 5.97%p.a |
| LVR more than 90% | 7.20%p.a | 6.77%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 2 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.22%p.a | 5.86%p.a |
| LVR 60 to 70% | 6.22%p.a | 5.86%p.a |
| LVR 70 to 80% | 6.22%p.a | 5.94%p.a |
| LVR 80 to 90% | 6.60%p.a | 6.36%p.a |
| LVR more than 90% |
6.97%p.a | 6.77%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 2 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.47%p.a | 5.91%p.a |
| LVR 60 to 70% | 6.47%p.a | 5.91%p.a |
| LVR 70 to 80% | 6.47%p.a | 5.99%p.a |
| LVR 80 to 90% | 6.85%p.a | 6.06%p.a |
| LVR more than 90% |
7.22%p.a | 6.82%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 3 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.22%p.a | 5.90%p.a |
| LVR 60 to 70% | 6.22%p.a | 5.90%p.a |
| LVR 70 to 80% | 6.22%p.a | 5.97%p.a |
| LVR 80 to 90% | 6.60%p.a | 6.39%p.a |
| LVR more than 90% |
6.97%p.a | 6.80%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 3 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.47%p.a | 5.97%p.a |
| LVR 60 to 70% | 6.47%p.a | 5.97%p.a |
| LVR 70 to 80% | 6.47%p.a | 6.04%p.a |
| LVR 80 to 90% | 6.85%p.a | 6.15%p.a |
| LVR more than 90% |
7.22%p.a | 6.87%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 4 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.39%p.a | 6.00%p.a |
| LVR 60 to 70% | 6.39%p.a | 6.00%p.a |
| LVR 70 to 80% | 6.54%p.a | 6.12%p.a |
| LVR 80 to 90% | 6.72%p.a | 6.46%p.a |
| LVR more than 90% |
7.09%p.a | 6.87%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 4 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1
|
Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.64%p.a | 6.09%p.a |
| LVR 60 to 70% | 6.64%p.a | 6.09%p.a |
| LVR 70 to 80% | 6.79%p.a | 6.20%p.a |
| LVR 80 to 90% | 6.97%p.a | 6.27%p.a |
| LVR more than 90% |
7.34%p.a | 6.95%p.a |
Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 5 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1
|
Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.52%p.a | 6.11%p.a |
| LVR 60 to 70% | 6.52%p.a | 6.11%p.a |
| LVR 70 to 80% | 6.67%p.a | 6.23%p.a |
| LVR 80 to 90% | 6.85%p.a | 6.56%p.a |
| LVR more than 90% |
7.22%p.a | 6.95%p.a |
Home Loan - Owner Occupier, Interest Only Payments, Fixed 5 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.77%p.a | 6.21%p.a |
| LVR 60 to 70% | 6.77%p.a | 6.21%p.a |
| LVR 70 to 80% | 6.92%p.a | 6.33%p.a |
| LVR 80 to 90% | 7.10%p.a | 6.41%p.a |
| LVR more than 90% |
7.47%p.a | 7.06%p.a |
Investor
Regional Australia Bank Home Loan
Home Loan - Investor, Principal & Interest Payments, Fixed 1 Year - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.39%p.a | 6.01%p.a |
| LVR 60 to 70% | 6.39%p.a | 6.01%p.a |
| LVR 70 to 80% | 6.39%p.a | 6.10%p.a |
| LVR 80 to 90% | 6.86%p.a | 6.64%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 1 Year - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.39%p.a | 6.01%p.a |
| LVR 60 to 70% | 6.39%p.a | 6.01%p.a |
| LVR 70 to 80% | 6.39%p.a | 6.10%p.a |
| LVR 80 to 90% | 6.86%p.a | 6.64%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 2 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.42%p.a | 6.06%p.a |
| LVR 60 to 70% | 6.42%p.a | 6.06%p.a |
| LVR 70 to 80% | 6.42%p.a | 6.14%p.a |
| LVR 80 to 90% | 6.88%p.a | 6.67%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 2 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.42%p.a | 6.06%p.a |
| LVR 60 to 70% | 6.42%p.a | 6.06%p.a |
| LVR 70 to 80% | 6.42%p.a | 6.14%p.a |
| LVR 80 to 90% | 6.88%p.a | 6.67%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 3 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.42%p.a | 6.10%p.a |
| LVR 60 to 70% | 6.42%p.a | 6.10%p.a |
| LVR 70 to 80% | 6.42%p.a | 6.18%p.a |
| LVR 80 to 90% | 6.88%p.a | 6.69%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 3 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.42%p.a | 6.10%p.a |
| LVR 60 to 70% | 6.42%p.a | 6.10%p.a |
| LVR 70 to 80% | 6.42%p.a | 6.17%p.a |
| LVR 80 to 90% | 6.88%p.a | 6.69%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 4 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.53%p.a | 6.18%p.a |
| LVR 60 to 70% | 6.63%p.a | 6.22%p.a |
| LVR 70 to 80% | 6.79%p.a | 6.34%p.a |
| LVR 80 to 90% | 6.99%p.a | 6.76%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 4 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.53%p.a | 6.18%p.a |
| LVR 60 to 70% | 6.63%p.a | 6.21%p.a |
| LVR 70 to 80% | 6.79%p.a | 6.33%p.a |
| LVR 80 to 90% | 6.99%p.a | 6.76%p.a |
Home Loan - Investor, Principal & Interest Payments, Fixed 5 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.67%p.a | 6.29%p.a |
| LVR 60 to 70% | 6.76%p.a | 6.33%p.a |
| LVR 70 to 80% | 6.92%p.a | 6.46%p.a |
| LVR 80 to 90% | 7.12%p.a | 6.85%p.a |
Home Loan - Investor, Interest Only Payments, Fixed 5 Years - Fixed Rates8
| Rate Type6 7 | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.67%p.a | 6.27%p.a |
| LVR 60 to 70% | 6.76%p.a | 6.31%p.a |
| LVR 70 to 80% | 6.92%p.a | 6.44%p.a |
| LVR 80 to 90% | 7.12%p.a | 6.84%p.a |
Fees
| Annual fee | $0 |
| Approval fee | $225 |
| Documentation fee | $0 |
| Discharge fee | $395 |
| Valuation fees | At cost |
| Top up fee | $195 |
| Restructure fee | $200 |
| Monthly service fee | $0 |
| Break costs for early payout | Applies 11 |
| Access fee on Transaction & Savings Accounts |
Australian Government 5% Deposit Scheme: General Stream and Single Parent Stream
The General Stream is an Australian Government initiative to help eligible home buyers purchase their home sooner. The Single Parent Stream supports eligible single parents or eligible single legal guardians of at least one dependent to purchase a home sooner.
Understand LVR and Your Borrowing Power
Loan-to-Value Ratio (LVR) plays a big role in determining how much you can borrow. The lower your LVR, the more favourable your loan terms might be, helping you secure a better deal. Understanding how LVR works can put you in a stronger position when buying a home.
Learn more about how LVR can impact your borrowing power and how to make it work for you.
Lower Your LVR, Lower Your Costs
A lower LVR could mean better rates. By reducing your LVR, you could lower your interest rate, saving you money over the life of your home loan. It’s all about maximising your financial benefits while with the aim of making your home ownership journey smoother.
Find out how reducing your LVR can lead to savings on your home loan.
We get it—home loans can seem complicated. That’s why we’ve made things easier by answering the most common questions, like “How much deposit do I need?” and “What’s the difference between a variable and fixed rate?”
Check out our Frequently Asked Questions for simple answers to help your next step.
Want to know more about our Home Loans?
Fill out the form below and we will get back to you as soon as possible.
Frequently asked questions
How does a fixed rate home loan work?
With a fixed rate home loan, your interest rate and monthly repayments remain the same for the fixed term, protecting you from interest rate rises.
What are the advantages of a fixed rate home loan?
The main advantage of a fixed rate home loan is the certainty of knowing what your repayments are going to be for that period. When purchasing a property with a fixed rate, you'll be protected from interest rate rises for the elected period.
What are the disadvantages of a fixed rate home loan?
Disadvantages may include limited flexibility with extra repayments and potential break costs if you refinance or pay off the loan early.
What happens when the fixed rate period ends?
When the fixed rate period ends, your loan usually reverts to a variable rate unless you choose to refix or refinance.
Can I make extra repayments on a fixed rate home loan?
Extra repayments are often capped, and making additional payments beyond the cap may incur fees.
What can count towards a deposit?
Genuine savings are the typical source for a home loan deposit. These savings can be classified as monies held for three months or more in Bank Accounts / Term Deposits.
There are also a variety of other options that can be counted towards a home loan deposit.
These include:
- Equity in Residential Property
- Funds from sold investments such as shares
- Employee funded additional superannuation (not mandatory employer contributions)
- Redraw/additional advance Funds in a Mortgage, Personal Loan or Line of credit
- Proceeds of Sale of other assets
- First home owners grants
- A non-repayable gift from a family member
- Inheritance
What costs do I need to consider?
There are many different costs to consider when purchasing a property and everyone's circumstances are slightly different. Your lender will be able to provide you with guidance on how and when these costs may be charged.
These costs may include:
- Deposit
- Stamp duty
- Legal fees and solicitor/conveyancing costs
- Property valuation costs
- Lenders mortgage insurance if applicable
- Building and pest inspections
- Bank, Government and 3rd party fees as set out in our fees and charges brochure
- Home and contents insurance
What is an interest-only loan?
For an agreed and limited amount of time only, you can elect to pay off just the interest that your financial institution is charging on your home loan, without actually paying off any of the principle and reducing the size of the borrowed amount. An example of this structure would be a client who is in the process of building a property and the facility would be interest only for 12 months during construction.
FYI: We also look at interest-only repayments for Head Start Guarantees – the larger loan in the borrowers name is put on interest-only for 48 months to allow the additional guarantee loan/ portion to be paid off quicker to release the guarantor's liability earlier.
We will convert a loan to an interest-only for other reasons – each case is considered on its own merits.
What is lender's mortgage insurance (LMI)?
Lender's Mortgage Insurance is a third-party insurance premium put in place to protect the lender if you're unable to repay your home loan. This is required when borrowing more than 80% of the property's purchase price/value.
What is Loan to Value Ratio (LVR)?
Loan to Value Ratio (LVR) is a measurement of the property value vs the loan amount, as a percentage. This can also give an indication of the minimum deposit required. E.g. With a property security value of $400,000, 80% of the value is $320,000, therefore a 20% deposit would be 80,000. If for the same property and only a loan of $100,000 is required, the LVR would be 25%.
Help for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Account management and support
For help with managing your account, including online access, and other features, contact our support team.
Technical support
If you experience any technical issues with online access or account features, our team is available to assist you.
Get started now by applying online for your home loan
It's quick, convenient, secure and available 24/7. Get in touch with a Home Loan Specialist for support when refinancing. We're here to help from application to settlement.
We're available on 132 067 if you would like to apply over the phone or have a question.
Disclaimers
1
Interest rates are on a per annum basis and are current as of today's date and are subject to change. The interest rate applicable to your loan or product is not confirmed until your application is approved and may change prior to approval or settlement.
2
The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
4
Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if this product is right for you.
5
Regional Australia Bank is the issuer of the product.
6
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 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.
7
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
8
Revert Rate is variable non offset home loan rate with Principal & Interest repayment for the remainder of the term.
9
Additional repayments of up to $10,000 per loan, per year can be made on fixed rate loans without incurring an Early Repayment Fee. Additional repayments are not available for redraw or withdrawal. Amounts above this limit may incur an Early Repayment Fee, calculated in accordance with your loan contract. Any request to reverse or release additional repayments is subject to the Bank’s approval.
10
Terms and conditions apply. Regional Australia Bank reserves the right to determine eligibility for this service.
11
An Early Repayment Fee (break cost) may be payable if you repay part or all of your fixed rate loan early, including where additional repayments exceed the allowable limit. The Early Repayment Fee is calculated in accordance with your loan contract and may be substantial.