| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable - Lending $250,000 and over1 |
3.64%p.a | 3.83%p.a2 |
| Variable - Lending under $250,0001 | 3.84%p.a | 4.13%p.a3 |
| Fixed - 1 year | 3.49%p.a | 3.82%p.a2 |
| Fixed - 2 years | 3.54%p.a | 3.82%p.a2 |
| Fixed - 3 years | 3.64%p.a | 3.83%p.a2 |
| Fixed - 5 years | 3.99%p.a | 3.96%p.a2 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable - Lending $250,000 and over1 |
3.89%p.a | 3.85%p.a4 |
| Variable - Lending under $250,0001 | 4.09%p.a | 4.15%p.a5 |
| Fixed - 1 year | 3.74%p.a | 3.84%p.a6 |
| Fixed - 2 years | 3.79%p.a | 3.86%p.a6 |
| Fixed - 3 years | 3.89%p.a | 3.89%p.a6 |
| Fixed - 5 years | 4.24%p.a | 4.05%p.a6 |
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 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 WARNING: This comparison rate is based on $200,000 over 30 years with an initial 1 year interest only period. 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.
4 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
5 WARNING: This comparison rate is based on $200,000 over 30 years with an initial 1 year interest only period. 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.
6 WARNING: This comparison rate is based on $300,000 over 30 years with an initial interest only period equal in length to the specified fixed rate period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Basic Variable Special Offer - Principal & Interest Payments ($150,000+) | 3.44%p.a1 | 3.88%p.a2 |
| Basic Variable Special Offer - Interest Only Payments ($150,000+) | 3.69%p.a1 | 3.94%p.a3 |
| Basic Variable Rate - Principal & Interest Payments | 3.99%p.a | 4.01%p.a2 |
| Basic Variable Rate - Interest Only Payments | 4.24%p.a | 4.06%p.a3 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Basic Variable Special Offer - Principal & Interest Payments ($150,000+) | 3.44%p.a1 | 3.88%p.a2 |
| Basic Variable Special Offer - Interest Only Payments ($150,000+) | 4.04%p.a1 | 4.02%p.a3 |
| Basic Variable Rate - Principal & Interest Payments | 3.99%p.a | 4.01%p.a2 |
| Basic Variable Rate - Interest Only Payments | 4.49%p.a | 4.12%p.a3 |
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 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 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 WARNING: This comparison rate is based on $300,000 over 30 years with 3 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable Rate - Principal & Interest Payments | 3.44%p.a | 3.46%p.a1 |
| Variable Rate - Interest Only Repayments | 4.04%p.a | 3.50%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| 1 year fixed | 3.59%p.a | 4.78%p.a1 |
| 2 years fixed | 3.64%p.a | 4.69%p.a1 |
| 3 years fixed | 3.74%p.a | 4.62%p.a1 |
| 5 years fixed | 4.09%p.a | 4.60%p.a1 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| 1 year fixed | 3.84%p.a | 4.80%p.a2 |
| 2 years fixed | 3.89%p.a | 4.73%p.a2 |
| 3 years fixed | 3.99%p.a | 4.68%p.a2 |
| 5 years fixed | 4.34%p.a | 4.69%p.a2 |
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 WARNING: This comparison rate is based $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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial interest only period equal in length to the specified fixed rate period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 4.87%p.a | 4.89%p.a1 |
| Standard Variable Rate - Interest Only Payments | 5.37%p.a | 4.93%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 5.37%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 |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 4.87%p.a | 4.89%p.a1 |
| Standard Variable Rate - Interest Only Payments | 5.37%p.a | 4.93%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable - Lending $250,000 and over1 |
4.14%p.a | 4.33%p.a2 |
| Variable - Lending under $250,0001 | 4.34%p.a | 4.62%p.a3 |
| Fixed - 1 year | 3.59%p.a | 4.28%p.a2 |
| Fixed - 2 years | 3.74%p.a | 4.27%p.a2 |
| Fixed - 3 years | 3.84%p.a | 4.26%p.a2 |
| Fixed - 5 years | 4.39%p.a | 4.42%p.a2 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable - Lending $250,000 and over1 |
4.39%p.a | 4.35%p.a4 |
| Variable - Lending under $250,0001 | 4.59%p.a | 4.64%p.a5 |
| Fixed - 1 year | 3.84%p.a | 4.30%p.a6 |
| Fixed - 2 years | 3.99%p.a | 4.30%p.a6 |
| Fixed - 3 years | 4.09%p.a | 4.32%p.a6 |
| Fixed - 5 years | 4.64%p.a | 4.51%p.a6 |
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 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 WARNING: This comparison rate is based on $200,000 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.
4 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
5 WARNING: This comparison rate is based on $200,000 over 30 years with an initial 1 year interest only period. 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.
6 WARNING: This comparison rate is based on $300,000 over 30 years with an initial interest only period equal in length to the specified fixed rate period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Basic Variable Rate - Principal & Interest Payments | 4.39%p.a | 4.41%p.a1 |
| Basic Variable Rate - Interest Only Payments | 4.64%p.a | 4.47%p.a2 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Basic Variable Rate - Principal & Interest Payments | 4.82%p.a | 4.84%p.a2 |
| Basic Variable Rate - Interest Only Payments | 5.32%p.a | 4.96%p.a2 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Basic Variable Rate - Principal & Interest Payments | 4.57%p.a | 4.59%p.a2 |
| Basic Variable Rate - Interest Only Payments | 5.17%p.a | 4.73%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| 1 year fixed | 3.69%p.a | 5.24%p.a1 |
| 2 years fixed | 3.84%p.a | 5.14%p.a1 |
| 3 years fixed | 3.94%p.a | 5.05%p.a1 |
| 5 years fixed | 4.49%p.a | 5.06%p.a1 |
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| 1 year fixed | 3.94%p.a | 5.27%p.a2 |
| 2 years fixed | 4.09%p.a | 5.18%p.a2 |
| 3 years fixed | 4.19%p.a | 5.11%p.a2 |
| 5 years fixed | 4.74%p.a | 5.15%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial interest only period equal in length to the specified fixed rate period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 5.37%p.a | 5.39%p.a1 |
| Standard Variable Rate - Interest Only Payments | 5.87%p.a | 5.43%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Standard Variable Rate - Interest Only Payments | From 5.87%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) | 6.00%p.a | - |
| Fixed - 1 year |
6.25%p.a | - |
| Fixed - 2 year |
6.31%p.a | - |
| Fixed - 3 year |
6.38%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 Rate |
|---|---|---|
| Standard Variable Rate - Principal & Interest Payments | 5.37%p.a | 5.39%p.a1 |
| Standard Variable Rate - Interest Only Payments | 5.87%p.a | 5.43%p.a2 |
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 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.
2 WARNING: This comparison rate is based on $300,000 over 30 years with an initial 1 year interest only period. 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.
| Rate Type | Annual Rate | Comparison Rate |
|---|---|---|
| Variable Interest Rate | From 7.49%p.a | From 7.86%p.a1 |
1 WARNING: This comparison rate is for a secured variable rate “Accelerator Car Loan” based on $25,000 over 5 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. 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 |
|---|---|---|
| Variable Interest Rate | 9.99%p.a | 10.88%p.a1 |
1 WARNING: This comparison rate is for an unsecured variable rate Personal Touch Loan based on $15,000 over 3 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. 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 |
|---|---|---|
| Variable Interest Rate | 6.95%p.a | 7.83%p.a1 |
1 WARNING: This comparison rate is for an unsecured variable rate “Enviro Loan” based on $15,000 over 3 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. 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 |
|---|---|---|
| Variable Interest Rate | 13.99%p.a | 14.90%p.a1 |
1 WARNING: This comparison rate is for an unsecured variable rate On Track Debt Consolidation Loan based on $15,000 over 3 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. 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 |
|---|---|---|
| Variable Interest Rate | From 11.49%p.a | From 11.88%p.a1 |
1 WARNING: This comparison rate is for a secured variable rate “Car Loan” based on $25,000 over 5 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. 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 |
|---|---|---|
| Variable Interest Rate | From 15.99%p.a | From 16.91%p.a1 |
1 WARNING: This comparison rate is for an unsecured variable rate Personal Loan based on $15,000 over 3 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. 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.
| Term | Deposits less than $5,000 | Deposits $5,000 and over |
|---|---|---|
| 1 month | 1.00%p.a | 1.15%p.a |
| 2 months | 1.05%p.a | 1.25%p.a |
| 3 months | 1.60%p.a | 2.05%p.a |
| 6 months | 1.50%p.a | 1.90%p.a |
| 9 months | 1.50%p.a | 1.90%p.a |
| 12 months |
1.80%p.a | 1.90%p.a |
| 24 months | 1.70%p.a | 1.85%p.a |
| 24 months (interest quarterly) | - | 1.70%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.
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 | 2.05%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 | 0.15%p.a |
| $10,000 to $99,999 | 0.90%p.a |
| $100,000 to $249,999 | 1.15%p.a |
| $250,000 and over | 1.30%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 | 0.05%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 | 0.10%p.a |
| Portion between $2,000 to $48,600 | 0.60%p.a |
| Portion over $48,600 | 1.70%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.