Help for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
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 Reserve Bank of Australia's (RBA) decision, we're increasing our variable home loan interest rates by 0.25% p.a., effective 7th April 2026.
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.
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.1
Access Competitive Rates
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.
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.
Find the best Home Loan for you
Ready to take the next step towards owning your home? At Regional Australia Bank, we've created a home loan that's flexible and easy to understand. Whether you're buying your first home, refinancing, or looking to invest, we've got the options to help suit your needs.
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.
Features & Benefits
Competitive Rates
Streamlined processes to potentially reduce your application timeline
Relationship manager a call away
Transparent: No hidden Fees
Competitive rates designed to help you save
Our home loan offers competitive interest rates whether you're buying your first home or refinancing. With an offset account, you can reduce the interest on your loan, making it easier to pay off your mortgage faster. Choose from flexible loan options that are designed to suit your needs and help you manage your home loan your way.
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.
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.
Want to refinance?
Fill the following form so one of our Specialists can get in contact:
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.
Disclaimers
1
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 credit criteria apply. Please refer to the Product Details, Conditions of Use, and Target Market Determination when considering if a product is right for you.