Mortgage Overdraft

An overdraft style all-in-one home loan and transaction account for maximum flexibility.

Features & Benefits

No compulsory regular payments
Maintain access to funds while reducing interest
No monthly service fees
Dedicated Relationship Manager
Standard Variable
(Owner Occupier, Interest Only)
From 8.57%p.a1

Product Details

Target Market Determination
Owner Occupier, Investor
Interest Rate Type
Repayment Frequencies
No regular scheduled payments
Advance Payments
100% Offset Accounts
Split Loans Allowed
Minimum Amount
Maximum Term
Minimum Deposit
(without Lenders Mortgage Insurance)
Minimum Deposit
(with Lenders Mortgage Insurance)
LMI not available
Interest Only Payments Available
Interest Only product
Discounted Interest Rate on Your Choice Visa Credit Card
Annual Fee
Approval Fee
Documentation Fee
Valuation Fees
At cost
Top Up Fee
Restructure Fee
Monthly Service Fee
Break Costs for Early Payout
Access Fee on Transaction & Savings Accounts
Standard Variable
(Owner Occupier, Interest Only)
From 8.57%p.a1
Standard Variable
(Investor, Interest Only)
From 9.07%p.a1

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.

  1. 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.

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.