Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
Nominations are opened to fill one Board position at Regional Australia Bank, to be appointed at the AGM on Thursday 20 November 2025. Find out how to nominate and key eligibility criteria.
Helping you achieve stability in home ownership
Ready to take the next step towards owning your home? At Regional Bank Australia, we offer a fixed rate home loan you can depend on. Whether you’re buying your first home, refinancing, or looking to invest, our competitive fixed rates ensure stability in your repayments. Lock in a fixed rate home loan with Regional Australia Bank, and you can secure an interest rate for a set period between 1 to 5 years. Plus, applying online is quick and easy, with no upfront application fees.
A fixed rate home loan you can rely on, offering:
- Competitive rates to help you save
- A Dedicated Relationship Manager
- Lock in your rate upfront
- Confidence to plan and set financial goals
Get $2000 CASHBACK
Take out a Home Loan with Regional Australia Bank to get $2000 cashback!
Terms and conditions apply.
Regional Australia Bank Home Loan
Principal & Interest Payments Fixed Home Loan - 1 Year
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.40%p.a | 5.49%p.a |
| LVR 60 to 70% | 5.40%p.a | 5.49%p.a |
| LVR 70 to 80% | 5.50%p.a | 5.59%p.a |
| LVR 80 to 90% | 5.68%p.a | 6.00%p.a |
| LVR more than 90% | 6.16%p.a | 6.42%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 1 Year
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.65%p.a | 5.52%p.a |
| LVR 60 to 70% | 5.65%p.a | 5.52%p.a |
| LVR 70 to 80% | 5.75%p.a | 5.62%p.a |
| LVR 80 to 90% | 5.93%p.a | 6.63%p.a |
| LVR more than 90% | 6.41%p.a | 6.45%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 2 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 4.98%p.a | 5.40%p.a |
| LVR 60 to 70% | 4.98%p.a | 5.40%p.a |
| LVR 70 to 80% | 5.08%p.a | 5.50%p.a |
| LVR 80 to 90% | 5.52%p.a | 5.93%p.a |
| LVR more than 90% | 6.00%p.a | 6.36%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 2 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.23%p.a | 5.45%p.a |
| LVR 60 to 70% | 5.23%p.a | 5.45%p.a |
| LVR 70 to 80% | 5.33%p.a | 5.55%p.a |
| LVR 80 to 90% | 5.77%p.a | 5.63%p.a |
| LVR more than 90% | 6.25%p.a | 6.41%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 3 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.30%p.a | 5.45%p.a |
| LVR 60 to 70% | 5.30%p.a | 5.45%p.a |
| LVR 70 to 80% | 5.39%p.a | 5.54%p.a |
| LVR 80 to 90% | 5.57%p.a | 5.90%p.a |
| LVR more than 90% | 6.05%p.a | 6.34%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 3 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.55%p.a | 5.52%p.a |
| LVR 60 to 70% | 5.55%p.a | 5.52%p.a |
| LVR 70 to 80% | 5.64%p.a | 5.61%p.a |
| LVR 80 to 90% | 5.82%p.a | 5.66%p.a |
| LVR more than 90% | 6.30%p.a | 6.41%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 4 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.52%p.a | 5.51%p.a |
| LVR 60 to 70% | 5.52%p.a | 5.51%p.a |
| LVR 70 to 80% | 5.61%p.a | 5.61%p.a |
| LVR 80 to 90% | 5.79%p.a | 5.95%p.a |
| LVR more than 90% | 6.27%p.a | 6.39%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 4 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.77%p.a | 5.60%p.a |
| LVR 60 to 70% | 5.77%p.a | 5.60%p.a |
| LVR 70 to 80% | 5.86%p.a | 5.69%p.a |
| LVR 80 to 90% | 6.04%p.a | 5.76%p.a |
| LVR more than 90% | 6.52%p.a | 6.48%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 5 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.74%p.a | 5.61%p.a |
| LVR 60 to 70% | 5.74%p.a | 5.61%p.a |
| LVR 70 to 80% | 5.83%p.a | 5.70%p.a |
| LVR 80 to 90% | 6.01%p.a | 6.03%p.a |
| LVR more than 90% | 6.49%p.a | 6.47%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 5 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.99%p.a | 5.71%p.a |
| LVR 60 to 70% | 5.99%p.a | 5.71%p.a |
| LVR 70 to 80% | 6.08%p.a | 5.80%p.a |
| LVR 80 to 90% | 6.26%p.a | 5.88%p.a |
| LVR more than 90% | 6.74%p.a | 6.58%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Rates - Investor
Regional Australia Bank Home Loan
Principal & Interest Payments Fixed Home Loan - 1 Year
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.62%p.a | 5.69%p.a |
| LVR 60 to 70% | 5.76%p.a | 5.71%p.a |
| LVR 70 to 80% | 5.84%p.a | 5.80%p.a |
| LVR 80 to 90% | 6.02%p.a | 6.31%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 1 Year
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.77%p.a | 5.71%p.a |
| LVR 60 to 70% | 5.91%p.a | 5.72%p.a |
| LVR 70 to 80% | 5.99%p.a | 5.82%p.a |
| LVR 80 to 90% | 6.17%p.a | 6.32%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 2 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.19%p.a | 5.60%p.a |
| LVR 60 to 70% | 5.19%p.a | 5.60%p.a |
| LVR 70 to 80% | 5.29%p.a | 5.70%p.a |
| LVR 80 to 90% | 5.87%p.a | 6.25%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan- 2 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.34%p.a | 5.63%p.a |
| LVR 60 to 70% | 5.34%p.a | 5.63%p.a |
| LVR 70 to 80% | 5.44%p.a | 5.73%p.a |
| LVR 80 to 90% | 6.02%p.a | 6.28%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 3 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.51%p.a | 5.65%p.a |
| LVR 60 to 70% | 5.65%p.a | 5.69%p.a |
| LVR 70 to 80% | 5.73%p.a | 5.78%p.a |
| LVR 80 to 90% | 5.92%p.a | 6.22%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 3 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.66%p.a | 5.69%p.a |
| LVR 60 to 70% | 5.80%p.a | 5.73%p.a |
| LVR 70 to 80% | 5.88%p.a | 5.82%p.a |
| LVR 80 to 90% | 6.07%p.a | 6.27%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 4 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.73%p.a | 5.71%p.a |
| LVR 60 to 70% | 5.87%p.a | 5.76%p.a |
| LVR 70 to 80% | 5.95%p.a | 5.86%p.a |
| LVR 80 to 90% | 6.14%p.a | 6.27%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 4 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.88%p.a | 5.77%p.a |
| LVR 60 to 70% | 6.02%p.a | 5.81%p.a |
| LVR 70 to 80% | 6.10%p.a | 5.91%p.a |
| LVR 80 to 90% | 6.29%p.a | 6.32%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Principal & Interest Payments Fixed Home Loan - 5 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 5.95%p.a | 5.81%p.a |
| LVR 60 to 70% | 6.09%p.a | 5.87%p.a |
| LVR 70 to 80% | 6.17%p.a | 5.96%p.a |
| LVR 80 to 90% | 6.36%p.a | 6.35%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Interest Only Payments Fixed Home Loan - 5 Years
| Rate Type | Annual Rate1 | Comparison Rate2 |
|---|---|---|
| LVR Below 60% | 6.10%p.a | 5.87%p.a |
| LVR 60 to 70% | 6.24%p.a | 5.93%p.a |
| LVR 70 to 80% | 6.32%p.a | 6.02%p.a |
| LVR 80 to 90% | 6.51%p.a | 6.42%p.a |
Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property as assessed by Regional Australia Bank. There may be a difference between the purchase price and the value of the property.
Competitive rates designed to help you save
Our fixed rate home loan offers competitive interest rates whether you're buying your first home or refinancing. With a fixed rate, you’ll enjoy the confidence of knowing your repayments won’t change for a set period, helping you plan ahead with certainty. At Regional Australia Bank, we’re here to support you with dependable options that bring stability to your financial future.
Understand LVR and Your Borrowing Power
Loan-to-Value Ratio (LVR) plays a big role in determining how much you can borrow. The lower your LVR, the more favourable your loan terms might be, helping you secure a better deal. Understanding how LVR works can put you in a stronger position when buying a home.
Learn more about how LVR can impact your borrowing power and how to make it work for you.
Lower Your LVR, Lower Your Costs
A lower LVR could mean better rates. By reducing your LVR, you could lower your interest rate, saving you money over the life of your home loan. It’s all about maximising your financial benefits while with the aim of making your home ownership journey smoother.
Find out how reducing your LVR can lead to savings on your home loan.
Want to know more about our Home Loans?
Fill out the form below and we will get back to you as soon as possible.
Fixed Rate FAQ
How does a fixed rate home loan work?
With a fixed rate home loan, your interest rate and monthly repayments remain the same for the fixed term, protecting you from interest rate rises.
What are the advantages of a fixed rate home loan?
The main advantage of a fixed rate home loan is the certainty of knowing what your repayments are going to be for that period. When purchasing a property with a fixed rate, you'll be protected from interest rate rises for the elected period.
What are the disadvantages of a fixed rate home loan?
Disadvantages may include limited flexibility with extra repayments and potential break costs if you refinance or pay off the loan early.
What happens when the fixed rate period ends?
When the fixed rate period ends, your loan usually reverts to a variable rate unless you choose to refix or refinance.
Can I make extra repayments on a fixed rate home loan?
Extra repayments are often capped, and making additional payments beyond the cap may incur fees.
You may also be interested in
Community Partnership Account
Our revolutionary transaction account allows you to support a community group of your choice, at no additional cost to you.
First Home Buyers Guide
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. If you need help or just want support, talk to one of our Home Loan Specialists and get started on your home buying journey.
Help for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Account Management and Support
For help with managing your account, including online access, and other features, contact our support team.
Technical Support
If you experience any technical issues with online access or account features, our team is available to assist you.
Get started now by applying online for your home loan
It's quick, convenient, secure and available 24/7. Get in touch with a Home Loan Specialist for support when refinancing. We're here to help from application to settlement.
We're available on 132 067 if you would like to apply over the phone or have a question.
Disclaimers
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.
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.
3
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
4
Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if this product is right for you.