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.

Make an enquiry

I want the lowest rate

  • Basic Home Loan Special Offer
    (Owner Occupier, Principal & Interest)

    3.44%p.a1

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

    3.88%p.a2
Apply Online Read More

I want all the features

  • Discount Variable - $250,000+
    (Owner Occupier, Principal & Interest)

    3.64%p.a1

  • Discount Variable - $250,000+
    (Owner Occupier, Principal & Interest) - Comparison Rate

    3.83%p.a2
Apply Online Read More

I want a fixed rate

  • 2 Year Fixed
    (Owner Occupier, Principal & Interest)

    3.64%p.a1

  • 2 Year Fixed
    (Owner Occupier, Principal & Interest) - Comparison Rate

    4.69%p.a2
Apply Online Read More

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.

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.

    Disclaimers

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

    Am I eligible?

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

    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.

      Disclaimers

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

      What will my repayments be?

      Calculate your repayments and experiment with different scenarios.

      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.

      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.

      Steps to buying a new home

      1. Apply

      Apply online in moments. One of our specialists will call you to progress.

      2. Assessment

      We ask for some documents and do a valuation on the property you want to buy.

      3. Approval

      If your application assessment is successful, you'll receive formal approval.

      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

      Top tips for buying an investment property

      Investing in property has proven to be stable investment and for many Australians and can be a great wealth growth strategy.

      Learn More

      Regional Australia Bank’s guide to successful property renovations

      Our property renovation guide outlines what you need to know about the best financial products to help design your dream home or investment property.
      Learn More

      Tips to consider when building your own home

      Buying and building are great ways to realise your home ownership dreams. We are on hand to support you whatever you decide.

      Learn More

      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 almost 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

      Spend up to $10,000 each statement period and pile up Qantas Points with every eligible purchase you make.