Unlock Your Saving Potential With Refinancing

Discover a Fresh Start with Our Home Loans: experience the benefits of refinancing. Access competitive rates1 , low fees, and expert guidance throughout the process

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Why you should Refinance with Regional Australia Bank?

At Regional Australia Bank, we're dedicated to providing a streamlined refinance experience, ensuring you have access competitive rates and a transparent process. With no hidden fees and the support of a dedicated Relationship Manager, your path to a fresh start is a click away.

  • Access Competitive Rates1: We're here to help potentially save you money throughout your loan term.
  • Streamlined Process: Experience a refinance process with streamlined procedures, helping you secure your new loan sooner.
  • Total Transparency: Our commitment to transparency ensures there are no hidden fees, complex jargon, or unexpected costs. We prioritise a clear and straightforward refinancing experience, including a clear and comprehensive comparison rate2.
  • Your Relationship Manager: You're never alone on your financial journey. Your dedicated Relationship Manager is just a phone call away, ready to provide guidance and ensure a smooth, personalised experience.

Want to refinance?

Fill the following form so one of our Specialists can get in contact:

We respect your privacy and are committed to protecting your data in accordance with our privacy policy.

Steps To Refinance

1. Apply to Refinance Online

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 refinance application

3. Approval

If your application assessment is successful, you'll receive formal approval and we'll seek a valuation on the property you want to refinance.

4. Contract

You receive the official contract and all the legal documents you need to settle.

5. Settlement

Return your contract documents so you can finalise settlement.

    Refinance to Our Most Popular Home Loans


Basic Home Loan3

Lowest Rate
  • Basic Home Loan Introductory Discount Offer
    (Owner Occupier, Principal & Interest)

  • Basic Home Loan Introductory Discount Offer
    (Owner Occupier, Principal & Interest) - Comparison Rate

  • Very competitive interest rate
  • Extra repayments and redraw
  • No monthly service fees
  • Dedicated Relationship Manager

Fixed Home Loan4

Lock in rate
  • 3 Year Fixed LVR Below 60%
    (Owner Occupier, Principal & Interest)

  • 3 Year Fixed LVR Below 60%
    (Owner Occupier, Principal & Interest) - Comparison Rate

  • Competitive fixed interest rates
  • No monthly service fees
  • Split your loan to hedge against interest rate uncertainty
  • Dedicated Relationship Manager

Partnership Advantage5

Most Features
  • Variable Rate
    (Owner Occupier, Principal & Interest)

  • Variable Rate
    (Owner Occupier, Principal & Interest) - Comparison Rate

  • Up to 8 100% offset accounts
  • Tiered Interest Rate Discounts1
  • Discounts on range of other products
  • Dedicated Relationship Manager

Want more Home Loan Options?

We’ve got flexible home loan options to suit your changing lifestyle


1 Interest rates are on a per annum basis and are current as of today's date and are subject to change.

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 Our Basic Home Loan applies a discount of 1.45%p.a will be applied to the Basic Variable (Owner Occupier) Rate for the first 3 years of this loan. Discount applied to the advertised Basic Variable (Owner Occupier) Rate, current rates are subject to change. At the end of the 3 year period, the interest rate will revert to a 0.80%p.a. discount to the Basic Variable (Owner Occupier) Rate. Under 80% LVR, and New Business only. Available for owner occupied borrowings over $100,000 or more. Available for a limited time only and not in conjunction with any other discount.

4 Fixed Home Loan rates shown apply during the fixed period of your loan. After the fixed period, your rate will revert to the applicable variable rate for a principal and interest loan. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

5 Partnership Advantage Home Loans 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 Partnership Advantage Home Loans. Interest rates are on a per annum basis and are current as of today's date and are subject to change.

Terms, conditions, fees, charges and normal lending criteria apply. Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if a product is right for you.

Have a question or want to get started?

Apply for Refinancing Your Home Loan Online

Get started now by applying online to refinance your home loan. It's convenient, secure and available 24/7.

Need help choosing a loan?

Get in touch with a Home Loan Specialist for advice when refinancing. We're here to help from application to settlement.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.