Partnership Advantage Home Loan

Our fully featured home loan offers offset accounts, redraw, fee waivers and discounts across a host of other products.

Package Features

Up to 8 100% offset accounts
Tiered Interest Rate Discounts1
Discounts on range of other products
Dedicated Relationship Manager
Variable Rate
(Owner Occupier, Principal & Interest)
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate

Product Details

Target Market Determination
Owner Occupier, Investor
Interest Rate Type
Variable or Fixed
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
Yes (variable loans only) 4
100% Offset Accounts
Up to 8 per variable loan account
Split Loans Allowed
Minimum Amount
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
Minimum Deposit
(with Lenders Mortgage Insurance)
Interest Only Payments Available
Yes, up to 5 years 5
Discounted Interest Rate on Your Choice Visa Credit Card
3% discount
No annual fee on Visa Platinum Rewards Card
No annual fee on Your Choice Visa Credit Card
Annual Fee
Approval Fee
Mortgage Documentation Preparation Fee
Discharge of Mortgage Preparation Fee
Valuation Fees
Top Up Fee
Restructure Fee
Monthly Service Fee
Visa Platinum Rewards Credit Card Fee
Your Choice Visa Credit Card Fee
Break Costs for Early Payout
May apply to fixed loans
Access Fee on Transaction & Savings Accounts
Variable Rate
(Owner Occupier, Principal & Interest)
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate
Other Rates
Please see our Interest Rates page for details of
Investor, Fixed and Interest Only rates

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.


Interest rates are on a per annum basis and are current for new loan contracts as at today's date and are subject to change.

1 The Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Partnership Advantage Home Loans.

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.

4 Minimum redraw amount is $500.

5 Regional Australia Bank reserves the right to determine eligibility for this service.

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.