Sustainable Home Loan

We reward your commitment to the environment and sustainability with a low interest rate and full range of features.

Variable Rate
(Owner Occupier, Principal & Interest)
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate

Features & Benefits

Great Interest Rate
Incentives for sustainable housing
Up to 8 100% offset accounts
Dedicated Relationship Manager

At Regional Australia Bank we’re passionate about sustainability and our environment, so we’re always looking to encourage our members and community to get involved. Our Sustainable Home Loan provides a great incentive to members for investing in environmentally friendly and sustainable features for their new home, or for adding them to their existing home.

Our Sustainable Home Loan has all the features, like up to 8 100% offset accounts, along with unlimited advance payments and redraws. But the real incentive is a huge discount off our standard variable interest rate!

In order to be eligible for the Sustainable Home Loan your home first needs to pass the current minimum environmental standards required by your relevant state or territory authority. Additionally, you need to provide evidence that your home has at least one feature from List A and at least two features from List B, as below1:

List A

List B

  • Grey Water Treatment System
  • Solar Power System (including PV)
  • Wind Turbine
  • Micro Hydro System
  • Double glazed windows (or better)
  • Solar Hot Water
  • Rain/Storm Water Tank
  • 5 star+ Gas or Electric Heating
  • External Awnings

Regional Australia Bank’s Sustainable Home Loan has it all:
great features, a great rate and great for the environment!

Have a question or want to get started?

Apply online now

Its easy to apply online with Regional Australia Bank's 'Apply Now'. Get your application completed any time of day.

Get Answers

Have a question? Simply send us your enquiry and we'll get back to you.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.

Product Details

Owner Occupier
Interest Rate Type
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
100% Offset Accounts
Up to 8 per 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 years4
Discounted Interest Rate on "Your Choice" Credit Card
3.00% discount
Other Benefits
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
Yes 5
Variable Rate
(Owner Occupier, Principal & Interest)
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate


Interest rates are on a per annum basis and are current as at 01/12/17 and are subject to change.

1 The Sustainable Home Loan is available where borrowers demonstrate by suitable evidence that their home meets the specified guidelines. Regional Australia Bank reserves the right to determine whether a home is eligible for the Sustainable Home Loan at their absolute discretion.

2 WARNING: This comparison rate is based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

3 Minimum redraw amount is $500.

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

5 No monthly Access Fee where the minimum monthly membership balance exceeds $5,000.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.