Regional Australia Bank
Mortgage 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
§ 01 — Rates · 1
| 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% | — | — |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Commercial Loan Top Up Fee | Event | $200 | — | Applies on approval of an additional borrowing against a property that we hold an existing mortgage over. |
| Monthly Service Fee | Periodic | No fee | Every 1 mo | — |
| Redraw Fee | Transaction | No fee | — | — |
| Agency Settlement/Handing Fee | Upfront | $1 | — | Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan. |
| Commercial Loan Application Fee ($100,001+) | Upfront | 0.25% of balance | — | Applied on the approval of a Commercial Loan of an amount over $100,000 |
| Commerical Loan Application Fee($500-$100,000) | Upfront | $250 | — | Applies on the approval of a Commercial Loan between the amount of $500 - $100,000 |
| Discharge of Mortgage Preparation | Upfront | $1 | — | Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan. |
| PEXA Processing Fee | Upfront | $1 | — | Applies when we process a settlement relating to your loan through PEXA. |
| Property Valuation Costs | Upfront | $1 | — | 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. |
| Registration of Discharge of Mortgage | Upfront | $1 | — | Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan. |
| Registration of Mortgage | Upfront | $1 | — | Applies when we are required to register a mortgage relating to a property offered as security for your loan. |
| Registration of Transfer | Upfront | $1 | — | Applies when we are required to register a transfer of land relating to a property held as security for your loan. |
| Replacement Certificate of Title | Upfront | $1 | — | Applies when you request a replacement certificate of title relating to mortgaged property that is held as security for your loan. |
| Title Search | Upfront | $1 | — | Applies when we are required to perform a title search relating to a property offered, or held, as security for your loan. |
§ 03 — Features
Redraw
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 16
- · Residency: Australian Registered Business
- · Available to businesses
- · Amount $500 to 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.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
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.