Regional Australia BankMortgage Secured Commercial Loan
Whether secured by residential, commercial our rural property our dedicated Commercial Lending Team can tailor a commercial mortgage to meet your long-term financial needs.
At a glance
- Pricing
- Rates on application
- Variable
- 0.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $250
- Monthly fee
- $0
Rates
The one rate Regional Australia Bank publishes for this business loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest rates are available on request for this product. Rates will vary based on the circumstances of the borrower and the security being Rural, Commercial or Residential. | - | - | - | 0.00% | - | - |
Fees
14 fees published, grouped by when they're charged.
- When you take it outUp to $25011 fees, each listed below
- While you hold itNo feeMonthly Service Fee
- When you close it or pay it offNo fee published
When you take it out11
- Agency Settlement/Handing Fee
Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan.
From $1 - Commercial Loan Application Fee ($100,001+)
Applied on the approval of a Commercial Loan of an amount over $100,000
0.25% of balance - Commerical Loan Application Fee($500-$100,000)
Applies on the approval of a Commercial Loan between the amount of $500 - $100,000
$250 - Discharge of Mortgage Preparation
Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan.
From $1 - PEXA Processing Fee
Applies when we process a settlement relating to your loan through PEXA.
From $1 - Property Valuation Costs
Applies when we are required to value each property offered or held as security at the commencement of your loan, and when required throughout the life of your loan.
From $1 - Registration of Discharge of Mortgage
Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan.
From $1 - Registration of Mortgage
Applies when we are required to register a mortgage relating to a property offered as security for your loan.
From $1 - Registration of Transfer
Applies when we are required to register a transfer of land relating to a property held as security for your loan.
From $1 - Replacement Certificate of Title
Applies when you request a replacement certificate of title relating to mortgaged property that is held as security for your loan.
From $1 - Title Search
Applies when we are required to perform a title search relating to a property offered, or held, as security for your loan.
From $1
While you hold it1
- Monthly Service FeeNo fee
When you make a transaction1
- Redraw FeeNo fee
When particular things happen1
- Commercial Loan Top Up Fee
Applies on approval of an additional borrowing against a property that we hold an existing mortgage over.
$200
Features
- No monthly Access Fee on your Savings or Transaction accounts where the minimum monthly membership balance exceeds $5,000.
- Split loans available
- Repayments can be made Monthly, Quarterly, Semi-Annually or Annually to suit your cashflow needs.
Eligibility and limits
- Minimum age 16
- Residency: Australian Registered Business
- Available to businesses
- Amount from $500, no maximum
- As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- Minimum Deposit of 35% is required for mortgages secured by commercial property.
- Minimum Deposit of 20% is required for mortgages secured by residential property.
- Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
- Minimum Deposit of 40% is required for mortgages secured by rural property.
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Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 29 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.