Home Loans & Mortgages

Regional Australia Bank's range of flexible home loans, competitive rates and helpful tools provide all you need to secure the right mortgage for you.

Want to know more? Enquire now and have a Home Loan Specialist answer your home buying questions.

Basic Home Loan

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

Partnership Advantage

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

Fixed Home Loan

Lock in rate
  • 1 Year Fixed
    (Owner Occupier, Principal & Interest)

  • 1 Year Fixed
    (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

Want more from a home loan?

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

Am I eligible? Whats my borrowing power?
Our tools will help get the answers.

We believe every Australian deserves to own their own home and so we've created these easy-to-use tools to help you get the right loan for you, check your eligibility or estimate your repayments with our home loan repayment calculator.

What’s the right loan for me?

Answer 4 questions to narrow down search results and see the best home loan for you.

    For a loan of $250,000 over 30 years these home loans are recommended

    We’re here to help

    Call one of our friendly staff on 132 067 or send us your details and we’ll contact you.


    We are getting the best home loans for you...

    Am I eligible?

    Answer these quick questions to see your eligibility for a home loan.

      Yes. Based on your answers, it’s likely that you would be eligible for a $250,000 loan over a 30 years term.
      Please select a home loan product to continue.

      My house is
      I would like to repay
      I would like

      Please note that this is a guide to your eligibility and not constitute an approval. Applications are subject to Regional Australia Bank credit assessment. The below interest rates are indicative only and may be subject to change.

      We’re here to help

      Call one of our friendly staff on 132 067 or send us your details and we’ll contact you.


      We are getting the best home loans for you...

      Buying your first home?

      Knowing where to start can be the biggest hurdle. Our home buying support and tools will help you into your first home a little sooner.

      Couple sit on stairs checking out paint options for wall

      A guide to buying your first home

      Buying your first home? It can be hard to know where to start. Our first buyer's guide contains all you need to know about making one of your biggest investments ever.

      Get a home loan when you don’t have a big deposit.

      Our Head Start Family Guarantee Home Loan could be the solution to get you into the property market and buy your first home. If you’re struggling to save for a home loan deposit, you might be able to ask family for help.

      Mother and daughter sit at garden table planning future

      Young couple entertaining in their new home
      First Home Guarantee, Family Home Guarantee and Regional First Home Buyer Guarantee
      The First Home Guarantee and Regional First Home Buyer Guarantee are Australian Government initiatives to help eligible home buyers purchase their home sooner. The Family Home Guarantee supports eligible single parents or eligible single legal guardians of at least one dependent to purchase a home sooner.

      Steps to buying a new home

      1. Apply

      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 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 buy.

      4. Contract

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

      5. Settlement

      Return your contract documents so both your and our agent can finalise settlement.

      Get the property you want

      Why buy your home with Regional Australia Bank?

      Member owned

      Being member owned means we're free to focus on delivering values to members rather than the interests of shareholders.

      Banking with a conscience

      We pledge 5% of our profits to grassroots initiatives that help regional communities.

      Australian roots

      We've been helping Australians achieve their lifestyle goals for over 50 years. We'll help you achieve yours.

      Personalised solutions

      We recognise everyone's circumstances differ, so we provide personalised financial solutions to save time, money and effort.

      Be sure to also see

      Home Insurance

      Get protection for your home and contents. We made it easy to secure a home insurance policy through the insurance experts, and our partner, CGU.

      Visa Platinum Rewards Credit Card

      Earn Qantas Points on every eligible purchase with a Visa Platinum Rewards Credit Card.1

      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.

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