Fixed Rate Home Loan

Get a low fixed home loan rate for terms of one to five years. A fixed rate home loan is a great option if you'd prefer to lock in your home loan repayments and stay on top of your budgeting.

Features and benefits of our fixed rate home loan

Competitive fixed interest rates
No monthly service fees
Split your loan to hedge against interest rate uncertainty
Dedicated Relationship Manager
3 Year Fixed LVR Below 60%
(Owner Occupier, Principal & Interest)
5.66%p.a1
3 Year Fixed LVR Below 60%
(Owner Occupier, Principal & Interest) - Comparison Rate
5.91%p.a2
Enquire now
Start application

Product Details


Tailored Rates for every stage of home ownership

At Regional Australia Bank, we understand that your circumstance is unique. That's why we offer tailored rates for every stage of your home ownership journey.

Whether you're a first-time buyer or looking to refinance, our rates are tailored to fit your needs.


Target Market Determination
Borrowers
Owner Occupier, Investor
Interest Rate Type
Fixed
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
No
Redraw
No
100% Offset Accounts
No
Split Loans Allowed
Yes
Minimum Amount
$500
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
20%
Minimum Deposit
(with Lenders Mortgage Insurance)
5%
Interest Only Payments Available
Yes, up to 5 years4
Discounted Interest Rate on Your Choice Visa Credit Card
3% discount
Annual Fee
None
Approval Fee
None
Documentation Fee
$250
Valuation Fees
At cost
Top Up Fee
$195
Restructure Fee
$200
Monthly Service Fee
None
Break Costs for Early Payout
May apply
Access Fee on Transaction & Savings Accounts
Free

Fixed Home Loan - 1 year

LVR 60% or less (Owner Occupier, Principal & Interest)
5.93%p.a1
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
5.99%p.a2
LVR 70% or less (Owner Occupier, Principal & Interest)
6.16%p.a1
LVR 70% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.22%p.a2
LVR 80% or less (Owner Occupier, Principal & Interest)
6.39%p.a1
LVR 80% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.46%p.a2
LVR 90% or less (Owner Occupier, Principal & Interest)
6.60%p.a1
LVR 90% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.68%p.a2
LVR 90% or more (Owner Occupier, Principal & Interest)
7.21%p.a1
LVR 90% or more (Owner Occupier, Principal & Interest) - Comparison Rate
7.31%p.a2

Fixed Home Loan - 2 years

LVR 60% or less (Owner Occupier, Principal & Interest)
5.75%p.a1
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
5.95%p.a2
LVR 70% or less (Owner Occupier, Principal & Interest)
5.98%p.a1
LVR 70% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.18%p.a2
LVR 80% or less (Owner Occupier, Principal & Interest)
6.21%p.a1
LVR 80% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.42%p.a2
LVR 90% or less (Owner Occupier, Principal & Interest)
6.42%p.a1
LVR 90% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.64%p.a2
LVR 90% or more (Owner Occupier, Principal & Interest)
7.03%p.a1
LVR 90% or more (Owner Occupier, Principal & Interest) - Comparison Rate
7.26%p.a2

Fixed Home Loan - 3 years

LVR 60% or less (Owner Occupier, Principal & Interest)
5.66%p.a1
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
5.91%p.a2
LVR 70% or less (Owner Occupier, Principal & Interest)
5.89%p.a1
LVR 70% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.14%p.a2
LVR 80% or less (Owner Occupier, Principal & Interest)
6.12%p.a1
LVR 80% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.38%p.a2
LVR 90% or less (Owner Occupier, Principal & Interest)
6.33%p.a1
LVR 90% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.59%p.a2
LVR 90% or more (Owner Occupier, Principal & Interest)
6.94%p.a1
LVR 90% or more (Owner Occupier, Principal & Interest) - Comparison Rate
7.21%p.a2

Fixed Home Loan - 4 years

LVR 60% or less (Owner Occupier, Principal & Interest)
5.75%p.a1
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
5.92%p.a2
LVR 70% or less (Owner Occupier, Principal & Interest)
5.98%p.a1
LVR 70% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.15%p.a2
LVR 80% or less (Owner Occupier, Principal & Interest)
6.21%p.a1
LVR 80% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.38%p.a2
LVR 90% or less (Owner Occupier, Principal & Interest)
6.42%p.a1
LVR 90% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.60%p.a2
LVR 90% or more (Owner Occupier, Principal & Interest)
7.03%p.a1
LVR 90% or more (Owner Occupier, Principal & Interest) - Comparison Rate
7.22%p.a2

Fixed Home Loan - 5 years

LVR 60% or less (Owner Occupier, Principal & Interest)
5.85%p.a1
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
5.95%p.a2
LVR 70% or less (Owner Occupier, Principal & Interest)
6.08%p.a1
LVR 70% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.17%p.a2
LVR 80% or less (Owner Occupier, Principal & Interest)
6.30%p.a1
LVR 80% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.41%p.a2
LVR 90% or less (Owner Occupier, Principal & Interest)
6.51%p.a1
LVR 90% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.62%p.a2
LVR 90% or more (Owner Occupier, Principal & Interest)
7.13%p.a1
LVR 90% or more (Owner Occupier, Principal & Interest) - Comparison Rate
7.25%p.a2

Helpful Calculators

Home Loan Repayments Calculator

Compare Loans Calculator

Borrowing Power Calculator

Family playing in front yard

Want to know more about home loans?

We know the home loan process can be confusing at times, but at Regional Australia Bank we like to make the complex, simple.

We've simplified and compiled a list of questions we frequently get asked about, such as "How much deposit do I need?" or "What's the difference between a variable and fixed rate?"

Be sure to check out our Frequently Asked Questions to learn more.

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.

Disclaimer
  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. Repayments are indicative only based on the loan amount and interest rate selection.
  4. Terms and conditions apply. Regional Australia Bank reserves the right to determine eligibility for this service.

 

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.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.

Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if this product is right for you.

Regional Australia Bank Ltd is the issuer of the product.