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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.

Want to know more? Enquire now and have a Home Loan Specialist answer your home buying questions.

Make an enquiry

Basic Home Loan

Lowest Rate

Basic Home Loan Introductory Discount Offer
(Owner Occupier, Principal & Interest)
5.74%p.a¹
Basic Home Loan Introductory Discount Offer
(Owner Occupier, Principal & Interest) - Comparison Rate
6.23%p.a²

Very competitive interest rate
Extra repayments and redraw
No monthly service fees
Dedicated Relationship Manager

Partnership Advantage

Most Features

Variable Rate
(Owner Occupier, Principal & Interest)
6.24%p.a¹
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate
6.59%p.a²

Up to 8 100% offset accounts
Tiered Interest Rate Discounts¹
Discounts on range of other products
Dedicated Relationship Manager

Fixed Home Loan

Lock in rate

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

Competitive fixed interest rates
No monthly service fees
Split your loan to hedge against interest rate uncertainty
Dedicated Relationship Manager

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.

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

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

To live in An investment

I would like to repay

Principal + interest Interest only

I would like

Variable interest Fixed interest

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.

Disclaimers

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

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.

Couple sit on stairs checking out paint options for wall

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.

Mother and daughter sit at garden table planning future

Young couple entertaining in their new home

First Home Guarantee, Family Home Guarantee and Regional First Home Buyer Guarantee
The First Home Guarantee and Regional First Home Buyer Guarantee are Australian Government initiatives to help eligible home buyers purchase their home sooner. The Family Home Guarantee supports eligible single parents or eligible single legal guardians of at least one dependent to purchase a home sooner.

Steps to buying a new home

1. Apply

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

2. Assessment

We'll ask for some documents to help support your application

3. Approval

If your application assessment is successful, you'll receive formal approval and we'll seek a valuation on the property you want to buy.

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

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 over 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

Earn Qantas Points on every eligible purchase with a Visa Platinum Rewards Credit Card.¹

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.

Terms, conditions, fees, charges and normal lending criteria apply.
Please refer to the Product Details when considering if a product is right for you.

Home Loans & Mortgages

Basic Home Loan

Partnership Advantage