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It's likely you may have a product that is no longer current or not featured on our website. Please see our list of interest rates for non-featured products for details.
| Rate Type | Annual Rate | Comparison Rate2 |
|---|---|---|
| Variable 1 | 2.99%p.a | 3.39%p.a |
| Fixed - 1 year | 2.09%p.a | 3.31%p.a |
| Fixed - 2 years | 2.09%p.a | 3.23%p.a |
| Fixed - 3 years | 2.19%p.a | 3.19%p.a |
| Fixed - 4 years | 2.39%p.a | 3.19%p.a |
| Fixed - 5 years | 2.59%p.a | 3.23%p.a |
| Rate Type | Annual Rate | Comparison Rate2 |
|---|---|---|
| Variable 1 | 3.24%p.a | 3.41%p.a |
| Fixed - 1 year | 2.49%p.a | 3.34%p.a |
| Fixed - 2 years | 2.49%p.a | 3.30%p.a |
| Fixed - 3 years | 2.59%p.a | 3.29%p.a |
| Fixed - 4 years | 2.79%p.a | 3.32%p.a |
| Fixed - 5 years | 2.99%p.a | 3.39%p.a |
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.
1The 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.
2The 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.
| Rate Type | Annual Rate | Comparison Rate2 |
|---|---|---|
| Basic Variable Special Offer - Principal & Interest Payments ($100,000+) | 2.59%p.a1 | 2.63%p.a |
| Basic Variable Special Offer - Interest Only Payments ($100,000+) | 2.84%p.a1 | 2.65%p.a |
| Basic Variable Rate - Principal & Interest Payments | 3.34%p.a | 3.38%p.a |
| Basic Variable Rate - Interest Only Payments | 3.59%p.a | 3.40%p.a |
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 Basic Home Loan Special Offer is a discounted rate: For applications prior to the 19/3/2020 the discounted rate applies for owner occupied borrowings over $150,000, for a period of 3 years from the commencement of the loan. After this 3 year period rates will revert to the standard “Basic Home Loan” variable rate. For applications received on or after the 19/3/2020 the discounted rate will apply for the term of the loan. No product switching is available.
1 The Basic Home Loan Special Offer is a discounted rate that applies for a period of 3 years from the commencement of the loan. After this 3 year period rates will revert to the basic variable rate. The special is only available for owner occupied borrowings over $150,000 with new security. No product switching is permitted. Available for a limited time only and not in conjunction with any other discount.
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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable Rate - Principal & Interest Payments | 2.79%p.a | 2.83%p.a |
| Variable Rate - Interest Only Repayments | 3.04%p.a | 2.85%p.a |
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 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.
1 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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| 1 year fixed | 2.19%p.a | 4.07%p.a |
| 2 years fixed | 2.19%p.a | 3.90%p.a |
| 3 years fixed | 2.29%p.a | 3.76%p.a |
| 4 years fixed | 2.49%p.a | 3.69%p.a |
| 5 years fixed | 2.69%p.a | 3.65%p.a |
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| 1 year fixed | 2.59%p.a | 4.11%p.a |
| 2 years fixed | 2.59%p.a | 3.97%p.a |
| 3 years fixed | 2.69%p.a | 3.86%p.a |
| 4 years fixed | 2.89%p.a | 3.82%p.a |
| 5 years fixed | 3.09%p.a | 3.80%p.a |
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.
1 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..
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 4.22%p.a | 4.26%p.a |
| Standard Variable Rate - Interest Only Payments | 4.47%p.a | 4.28%p.a |
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.
1 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 4.72%p.a | - |
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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 4.22%p.a | 4.26%p.a |
| Standard Variable Rate - Interest Only Payments | 4.47%p.a | 4.28%p.a |
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.
1 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.
| Rate Type | Annual Rate | Comparison Rate2 |
|---|---|---|
| Variable 1 | 3.49%p.a | 3.87%p.a |
| Fixed - 1 year | 2.29%p.a | 3.77%p.a |
| Fixed - 2 years | 2.29%p.a | 3.66%p.a |
| Fixed - 3 years | 2.39%p.a | 3.60%p.a |
| Fixed - 4 years | 2.49%p.a | 3.55%p.a |
| Fixed - 5 years | 2.99%p.a | 3.68%p.a |
| Rate Type | Annual Rate | Comparison Rate2 |
|---|---|---|
| Variable 1 | 3.74%p.a | 3.90%p.a |
| Fixed - 1 year | 2.69%p.a | 3.80%p.a |
| Fixed - 2 years | 2.69%p.a | 3.73%p.a |
| Fixed - 3 years | 2.79%p.a | 3.70%p.a |
| Fixed - 4 years | 2.89%p.a | 3.68%p.a |
| Fixed - 5 years | 3.39%p.a | 3.83%p.a |
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.
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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Basic Variable Rate - Principal & Interest Payments | 3.74%p.a | 3.78%p.a |
| Basic Variable Rate - Interest Only Payments | 3.99%p.a | 3.80%p.a |
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 Basic Home Loan is only available for owner occupied or residential investment borrowings with over $100,000 of new lending.
1 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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| 1 year fixed | 2.39%p.a | 4.54%p.a |
| 2 years fixed | 2.39%p.a | 4.34%p.a |
| 3 years fixed | 2.49%p.a | 4.18%p.a |
| 4 years fixed | 2.59%p.a | 4.04%p.a |
| 5 years fixed | 3.09%p.a | 4.10%p.a |
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| 1 year fixed | 2.79%p.a | 4.58%p.a |
| 2 years fixed | 2.79%p.a | 4.41%p.a |
| 3 years fixed | 2.89%p.a | 4.28%p.a |
| 4 years fixed | 2.99%p.a | 4.18%p.a |
| 5 years fixed | 3.49%p.a | 4.26%p.a |
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.
1 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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 4.72%p.a | 4.76%p.a |
| Standard Variable Rate - Interest Only Payments | 4.97%p.a | 4.79%p.a |
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.
1 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 5.22%p.a | - |
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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| SMSF Variable Rate (Residential Security, Principal & Interest Payments) | 5.34%p.a | - |
| Fixed - 1 year |
5.95%p.a | - |
| Fixed - 2 year |
6.05%p.a | - |
| Fixed - 3 year |
6.25%p.a | - |
| Fixed - 5 year |
6.75%p.a | - |
Interest rates are on a per annum basis and are current as of today's date and are subject to negotiation.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 4.72%p.a | 4.76%p.a |
| Standard Variable Rate - Interest Only Payments | 4.97%p.a | 4.79%p.a |
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.
1 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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable Interest Rate | From 6.49%p.a | From 6.80%p.a |
1 The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable Interest Rate | 9.99%p.a | 11.32%p.a |
1 The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 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
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable Interest Rate | 6.95%p.a | 8.26%p.a |
1 The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 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
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable Interest Rate | 13.99%p.a | 15.35%p.a |
1 The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 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
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable Interest Rate | From 11.49%p.a | From 11.81%p.a1 |
1 The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 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.
| Rate Type | Annual Rate | Comparison Rate1 |
|---|---|---|
| Variable Interest Rate | From 15.99%p.a | From 17.37%p.a |
1 The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 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
| Term | Deposits $1,000 to $500,000 |
|---|---|
| 1 month | 0.10%p.a |
| 2 months | 0.20%p.a |
| 3 months | 0.30%p.a |
| 6 months | 0.35%p.a |
| 9 months | 0.35%p.a |
| 12 months |
0.50%p.a |
| 24 months | 0.55%p.a |
For maturity dates or terms that are not quoted above, please call our Treasury Department on 132 067 to receive a rate tailored to your specific needs. We can negotiate rates for term deposits over $500,000. Please call 132 067 for more information.
Interest rates are on a per annum basis and are current for new deposits as of today's date and are subject to change. Minimum investment amount and account balance is $1,000.
Interest is calculated daily and paid at the end of the investment term. If you choose to receive interest payments on a fortnightly, monthly, quarterly or semi-annual basis, a 0.15% discount will apply to the interest rate shown above. See the Term Savings product page for full details of how interest is paid.
| Rate Type | Annual Rate |
|---|---|
| Base Interest Rate | 0.00%p.a |
| Boosted Interest Rate | 0.50%p.a1 |
1 Deposit at least $100 and don’t make any withdrawals through the month to receive Boosted interest for that month. Interest payable reverts to Base Interest if these conditions are not met. Interest rates are on a per annum basis and are current as of today's date and are subject to change.
This product is not available to businesses, associations or trusts.
| Rate Type | Annual Rate |
|---|---|
| Less than $10,000 | 0.00%p.a |
| $10,000 to $99,999 | 0.15%p.a |
| $100,000 to $249,999 | 0.30%p.a |
| $250,000 and over | 0.35%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
| Rate Type | Annual Rate |
|---|---|
| Purchase interest rate | 19.99%p.a1 |
| Cash Advance interest rate | 19.99%p.a1 |
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. Refer to Visa Conditions of Use for further details.
| Rate Type | Annual Rate |
|---|---|
| Purchase and Cash Advance interest rate (with a Partnership Advantage Home Loan) |
9.69%p.a1 |
| Purchase and Cash Advance interest rate (with a different Regional Australia Bank home loan) |
11.69%p.a2 |
| Purchase and Cash Advance interest rate (without an attached home loan) |
14.69%p.a |
1 5.00% discount on the standard rate if Your Choice Visa with a minimum credit limit of $5,000 is held on the same membership as an active, funded Partnership Advantage Home Loan. Subject to change.
2 3.00% discount on the standard rate if Your Choice Visa is held on the same membership as an active, funded home loan other than a Partnership Advantage. Subject to change.
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. Refer to Visa Conditions of Use for further details.
| Rate Type | Annual Rate |
|---|---|
| All balances | 0.00%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
| Rate Type | Annual Rate |
|---|---|
| All balances | 0.00%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
| Rate Type | Annual Rate |
|---|---|
| All balances | 0.00%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
| Rate Type | Annual Rate |
|---|---|
| Portion less than $2,000 | 0.00%p.a |
| Portion $2,000 to $50,000 | 0.15%p.a |
| Portion $50,000 to $250,0000 | 0.30%p.a |
| Portion $250,000 and over | 0.35%p.a |
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
| Rate Type | Annual Rate |
|---|---|
| All credit balances | 0.00%p.a1 |
| All debit balances | 16.99%p.a2 |
1 Interest rates are on a per annum basis and are current as of today's date and are subject to change.
2 Terms, conditions, fees, charges and normal lending criteria apply. Interest rates are on a per annum basis and are current as of today's date and are subject to change.
It's likely you may have a product that is no longer current or not featured on our website. Please see our list of interest rates for non-featured products for details.