Regional Australia Bank Home Loan

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. Enjoy competitive interest rates and make the most out of your home loan with features like offset accounts and redraw options. Plus, applying online is quick and easy, with no upfront application fees³ ⁴ ⁵.

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.

To see specific interest rates, use our rate calculator below.

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.49%p.a	5.50%p.a
LVR 70% or less	5.49%p.a	5.50%p.a
LVR 80% or less	5.59%p.a	5.60%p.a
LVR 90% or less	6.02%p.a	6.03%p.a
LVR more than 90%	6.44%p.a	6.45%p.a
Standard Variable	7.57%p.a	7.60%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.74%p.a	5.52%p.a
LVR 70% or less	5.74%p.a	5.52%p.a
LVR 80% or less	5.84%p.a	5.62%p.a
LVR 90% or less	6.27%p.a	6.05%p.a
LVR more than 90%	6.69%p.a	6.48%p.a
Standard Variable	7.82%p.a	7.62%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.70%p.a	5.71%p.a
LVR 70% or less	5.70%p.a	5.71%p.a
LVR 80% or less	5.80%p.a	5.81%p.a
LVR 90% or less	6.23%p.a	6.24%p.a
LVR more than 90%	6.65%p.a	6.66%p.a
Standard Variable	7.57%p.a	7.60%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.95%p.a	5.73%p.a
LVR 70% or less	5.95%p.a	5.73%p.a
LVR 80% or less	6.05%p.a	5.83%p.a
LVR 90% or less	6.48%p.a	6.26%p.a
LVR more than 90%	6.90%p.a	6.69%p.a
Standard Variable	7.82%p.a	7.62%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.40%p.a	5.49%p.a
LVR 60 to 70%	5.40%p.a	5.49%p.a
LVR 70 to 80%	5.50%p.a	5.59%p.a
LVR 80 to 90%	5.68%p.a	6.00%p.a
LVR more than 90%	6.16%p.a	6.42%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.65%p.a	5.52%p.a
LVR 60 to 70%	5.65%p.a	5.52%p.a
LVR 70 to 80%	5.75%p.a	5.62%p.a
LVR 80 to 90%	5.93%p.a	6.63%p.a
LVR more than 90%	6.41%p.a	6.45%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	4.98%p.a	5.40%p.a
LVR 60 to 70%	4.98%p.a	5.40%p.a
LVR 70 to 80%	5.08%p.a	5.50%p.a
LVR 80 to 90%	5.52%p.a	5.93%p.a
LVR more than 90%	6.00%p.a	6.36%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.23%p.a	5.45%p.a
LVR 60 to 70%	5.23%p.a	5.45%p.a
LVR 70 to 80%	5.33%p.a	5.55%p.a
LVR 80 to 90%	5.77%p.a	5.63%p.a
LVR more than 90%	6.25%p.a	6.41%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.30%p.a	5.45%p.a
LVR 60 to 70%	5.30%p.a	5.45%p.a
LVR 70 to 80%	5.39%p.a	5.54%p.a
LVR 80 to 90%	5.57%p.a	5.90%p.a
LVR more than 90%	6.05%p.a	6.34%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.55%p.a	5.52%p.a
LVR 60 to 70%	5.55%p.a	5.52%p.a
LVR 70 to 80%	5.64%p.a	5.61%p.a
LVR 80 to 90%	5.82%p.a	5.66%p.a
LVR more than 90%	6.30%p.a	6.41%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.52%p.a	5.51%p.a
LVR 60 to 70%	5.52%p.a	5.51%p.a
LVR 70 to 80%	5.61%p.a	5.61%p.a
LVR 80 to 90%	5.79%p.a	5.95%p.a
LVR more than 90%	6.27%p.a	6.39%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.77%p.a	5.60%p.a
LVR 60 to 70%	5.77%p.a	5.60%p.a
LVR 70 to 80%	5.86%p.a	5.69%p.a
LVR 80 to 90%	6.04%p.a	5.76%p.a
LVR more than 90%	6.52%p.a	6.48%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.74%p.a	5.61%p.a
LVR 60 to 70%	5.74%p.a	5.61%p.a
LVR 70 to 80%	5.83%p.a	5.70%p.a
LVR 80 to 90%	6.01%p.a	6.03%p.a
LVR more than 90%	6.49%p.a	6.47%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.99%p.a	5.71%p.a
LVR 60 to 70%	5.99%p.a	5.71%p.a
LVR 70 to 80%	6.08%p.a	5.80%p.a
LVR 80 to 90%	6.26%p.a	5.88%p.a
LVR more than 90%	6.74%p.a	6.58%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.69%p.a	5.70%p.a
LVR 70% or less	5.69%p.a	5.70%p.a
LVR 80% or less	5.79%p.a	5.80%p.a
LVR 90% or less	6.33%p.a	6.34%p.a
Standard Variable	8.07%p.a	8.10%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.84%p.a	5.71%p.a
LVR 70% or less	5.84%p.a	5.71%p.a
LVR 80% or less	5.94%p.a	5.81%p.a
LVR 90% or less	6.48%p.a	6.35%p.a
Standard Variable	8.22%p.a	8.11%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	5.90%p.a	5.91%p.a
LVR 70% or less	5.90%p.a	5.91%p.a
LVR 80% or less	6.00%p.a	6.01%p.a
LVR 90% or less	6.54%p.a	6.55%p.a
Standard Variable	8.07%p.a	8.10%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR 60% or less	6.05%p.a	5.92%p.a
LVR 70% or less	6.05%p.a	5.92%p.a
LVR 80% or less	6.15%p.a	6.02%p.a
LVR 90% or less	6.69%p.a	6.56%p.a
Standard Variable	8.22%p.a	8.11%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.62%p.a	5.69%p.a
LVR 60 to 70%	5.76%p.a	5.71%p.a
LVR 70 to 80%	5.84%p.a	5.80%p.a
LVR 80 to 90%	6.02%p.a	6.31%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.77%p.a	5.71%p.a
LVR 60 to 70%	5.91%p.a	5.72%p.a
LVR 70 to 80%	5.99%p.a	5.82%p.a
LVR 80 to 90%	6.17%p.a	6.32%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.19%p.a	5.60%p.a
LVR 60 to 70%	5.19%p.a	5.60%p.a
LVR 70 to 80%	5.29%p.a	5.70%p.a
LVR 80 to 90%	5.87%p.a	6.25%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.34%p.a	5.63%p.a
LVR 60 to 70%	5.34%p.a	5.63%p.a
LVR 70 to 80%	5.44%p.a	5.73%p.a
LVR 80 to 90%	6.02%p.a	6.28%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.51%p.a	5.65%p.a
LVR 60 to 70%	5.65%p.a	5.69%p.a
LVR 70 to 80%	5.73%p.a	5.78%p.a
LVR 80 to 90%	5.92%p.a	6.22%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.66%p.a	5.69%p.a
LVR 60 to 70%	5.80%p.a	5.73%p.a
LVR 70 to 80%	5.88%p.a	5.82%p.a
LVR 80 to 90%	6.07%p.a	6.27%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.73%p.a	5.71%p.a
LVR 60 to 70%	5.87%p.a	5.76%p.a
LVR 70 to 80%	5.95%p.a	5.86%p.a
LVR 80 to 90%	6.14%p.a	6.27%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.88%p.a	5.77%p.a
LVR 60 to 70%	6.02%p.a	5.81%p.a
LVR 70 to 80%	6.10%p.a	5.91%p.a
LVR 80 to 90%	6.29%p.a	6.32%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	5.95%p.a	5.81%p.a
LVR 60 to 70%	6.09%p.a	5.87%p.a
LVR 70 to 80%	6.17%p.a	5.96%p.a
LVR 80 to 90%	6.36%p.a	6.35%p.a

Rate Type⁶ ⁷	Annual Rate¹	Comparison Rate²
LVR Below 60%	6.10%p.a	5.87%p.a
LVR 60 to 70%	6.24%p.a	5.93%p.a
LVR 70 to 80%	6.32%p.a	6.02%p.a
LVR 80 to 90%	6.51%p.a	6.42%p.a

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.

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.

We get it—home loans can seem complicated. That’s why we’ve made things easier by answering the most common questions, like “How much deposit do I need?” and “What’s the difference between a variable and fixed rate?”

Check out our Frequently Asked Questions for simple answers to help your next step.

Fill out the form below and we will get back to you as soon as possible.

Disclaimers

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

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. See Fees & Charges for full details.

⁴

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

⁵

Regional Australia Bank is the issuer of the product.

⁶

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change. The LVR Interest Rate Discount applies to the Standard Variable Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Mortgage Offset Home Loans.

⁷

LVR is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property

⁸

Revert Rate is variable non offset home loan rate with Principal & Interest repayment for the remainder of the term.

⁹

Minimum redraw amount is $500.

¹⁰

Offset Interest Rate Applies, detailed in All Interest Rates - Owner Occupier & Investor

¹¹

Terms and conditions apply. Regional Australia Bank reserves the right to determine eligibility for this service.

Borrow purpose	Owner Occupier, Investor
Family guarantee	Yes
Construction purpose	Yes
Interest rate	Variable or Fixed
Repayment frequency	Weekly, Fortnightly or Monthly
Advance payments	Yes (Variable Only)
Redraw	Yes (Variable Only) ⁹
100% offset accounts	Up to 8 per loan account ¹⁰
Split loans minimum amount	$500
Maximum term	30 years
Minimum deposit (without Lenders Mortgage Insurance)	20%
Minimum deposit (with Lenders Mortgage Insurance)	5%
Interest only option	Yes, up to 5 years ¹¹
Home guarantee loans	Yes

LVR 60% or less - Variable (Conditions Apply)	5.49% p.a¹
LVR 60% or less - Variable - Comparison Rate (Conditions Apply)	5.50% p.a²
Other Rates	Please see our Interest Rates page for details of Investor and Interest Only rates
*Loan to Value Ratio (LVR)	"LVR" is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.

Annual fee	$0
Approval fee	$0
Documentation fee	$0
Discharge fee	Yes
Valuation fees	At cost
Top up fee	$195
Restructure fee	$200
Monthly service fee	$0
Break costs for early payout	Nil on variable, may apply on fixed
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Making home ownership simple and flexible

A home loan designed with you in mind, offering:

Why choose a Regional Australia Bank Home Loan?

Get $2000 CASHBACK

Calculate your mortgage repayments6 7

Competitive rates designed to help you save

Features

Rates

All Interest Rates - Owner Occupier

Home Loan without Offset - Owner Occupier, Principal and Interest - Variable Rates

Home Loan without Offset - Owner Occupier, Interest Only - Variable Rates

Home Loan with Offset - Owner Occupier, Principal and Interest - Variable Rates

Home Loan with Offset - Owner Occupier, Interest Only - Variable Rates

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 1 Year - Fixed Rates 8

Home Loan - Owner Occupier, Interest Only Payments, Fixed 1 Year - Fixed Rates8

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 2 Years - Fixed Rates8

Home Loan - Owner Occupier, Interest Only Payments, Fixed 2 Years - Fixed Rates8

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 3 Years - Fixed Rates8

Home Loan - Owner Occupier, Interest Only Payments, Fixed 3 Years - Fixed Rates8

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 4 Years - Fixed Rates8

Home Loan - Owner Occupier, Interest Only Payments, Fixed 4 Years - Fixed Rates8

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 5 Years - Fixed Rates8

Home Loan - Owner Occupier, Interest Only Payments, Fixed 5 Years - Fixed Rates8

All Interest Rates - Investor

Home Loan without Offset - Investor, Principal and Interest - Variable Rates

Home Loan without Offset - Investor, Interest Only - Variable Rates

Home Loan with Offset - Investor, Principal and Interest - Variable Rates

Home Loan with Offset - Investor, Interest Only - Variable Rates

Home Loan - Investor, Principal & Interest Payments, Fixed 1 Year - Fixed Rates8

Home Loan - Investor, Interest Only Payments, Fixed 1 Year - Fixed Rates8

Home Loan - Investor, Principal & Interest Payments, Fixed 2 Years - Fixed Rates8

Home Loan - Investor, Interest Only Payments, Fixed 2 Years - Fixed Rates8

Home Loan - Investor, Principal & Interest Payments, Fixed 3 Years - Fixed Rates8

Home Loan - Investor, Interest Only Payments, Fixed 3 Years - Fixed Rates8

Home Loan - Investor, Principal & Interest Payments, Fixed 4 Years - Fixed Rates8

Home Loan - Investor, Interest Only Payments, Fixed 4 Years - Fixed Rates8

Home Loan - Investor, Principal & Interest Payments, Fixed 5 Years - Fixed Rates8

Home Loan - Investor, Interest Only Payments, Fixed 5 Years - Fixed Rates8

Fees

Home Loan Repayments Calculator

Understand LVR and Your Borrowing Power

Lower Your LVR, Lower Your Costs

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Get started now by applying online for your home loan

Calculate your mortgage repayments⁶ ⁷

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 1 Year - Fixed Rates ⁸

Home Loan - Owner Occupier, Interest Only Payments, Fixed 1 Year - Fixed Rates⁸

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 2 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Interest Only Payments, Fixed 2 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 3 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Interest Only Payments, Fixed 3 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 4 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Interest Only Payments, Fixed 4 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Principal & Interest Payments, Fixed 5 Years - Fixed Rates⁸

Home Loan - Owner Occupier, Interest Only Payments, Fixed 5 Years - Fixed Rates⁸

Home Loan - Investor, Principal & Interest Payments, Fixed 1 Year - Fixed Rates⁸

Home Loan - Investor, Interest Only Payments, Fixed 1 Year - Fixed Rates⁸

Home Loan - Investor, Principal & Interest Payments, Fixed 2 Years - Fixed Rates⁸

Home Loan - Investor, Interest Only Payments, Fixed 2 Years - Fixed Rates⁸

Home Loan - Investor, Principal & Interest Payments, Fixed 3 Years - Fixed Rates⁸

Home Loan - Investor, Interest Only Payments, Fixed 3 Years - Fixed Rates⁸

Home Loan - Investor, Principal & Interest Payments, Fixed 4 Years - Fixed Rates⁸

Home Loan - Investor, Interest Only Payments, Fixed 4 Years - Fixed Rates⁸

Home Loan - Investor, Principal & Interest Payments, Fixed 5 Years - Fixed Rates⁸

Home Loan - Investor, Interest Only Payments, Fixed 5 Years - Fixed Rates⁸