Regional Australia Bank
Regional Australia Bank Home Loan (Offset)
Reduce interest charges on your variable rate home loan and pay your mortgage off sooner.
Home loansBank updated 8 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.10% · 6.13% comparison
- Variable (investor P&I)
- 6.30%
- Max LVR
- 95%
- Annual fee
- $0
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 18
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableLoan 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… | Investment · Interest only | — | ≤60% LVR | 6.30% | 6.33% | — |
| VariableLoan 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… | Investment · Interest only | — | 60–70% LVR | 6.35% | 6.38% | — |
| VariableLoan 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… | Investment · Interest only | — | 70–80% LVR | 6.45% | 6.48% | — |
| VariableLoan 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… | Investment · Interest only | — | 80–90% LVR | 7.04% | 7.07% | — |
| VariableLoan 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… | Investment · P&I | — | ≤60% LVR | 6.30% | 6.33% | — |
| VariableLoan 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… | Investment · P&I | — | 60–70% LVR | 6.35% | 6.38% | — |
| VariableLoan 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… | Investment · P&I | — | 70–80% LVR | 6.45% | 6.48% | — |
| VariableLoan 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… | Investment · P&I | — | 80–90% LVR | 7.04% | 7.07% | — |
| VariableLoan 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… | Owner occupied · Interest only | — | ≤60% LVR | 6.35% | 6.15% | — |
| VariableLoan 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… | Owner occupied · Interest only | — | 60–70% LVR | 6.40% | 6.20% | — |
| VariableLoan 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… | Owner occupied · Interest only | — | 70–80% LVR | 6.50% | 6.30% | — |
| VariableLoan 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… | Owner occupied · Interest only | — | 80–90% LVR | 6.98% | 6.78% | — |
| VariableLoan 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… | Owner occupied · Interest only | — | 90–95% LVR | 7.40% | 7.20% | — |
| VariableLoan 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… | Owner occupied · P&I | — | ≤60% LVR | 6.10% | 6.13% | — |
| VariableLoan 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… | Owner occupied · P&I | — | 60–70% LVR | 6.15% | 6.18% | — |
| VariableLoan 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… | Owner occupied · P&I | — | 70–80% LVR | 6.25% | 6.28% | — |
| VariableLoan 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… | Owner occupied · P&I | — | 80–90% LVR | 6.73% | 6.76% | — |
| VariableLoan 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… | Owner occupied · P&I | — | 90–95% LVR | 7.15% | 7.18% | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Default Notice Fee | Event | $30 | — | Applies when you fail to make your contracted repayments and we are required to issue a default notice to you. |
| Discharge of Mortgage Preparation | Event | $395 | — | Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan. |
| Late Payment Notice Fee | Event | $20 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Loan Top Up Fee | Event | $195 | — | A “top up” is additional borrowing against a property that we hold an existing mortgage over. This fee applies on approval of the additional borrowing. |
| Break Cost Fee | Exit | No fee | — | This fee applies when you want to payout the facility early. |
| Annual Fee | Periodic | No fee | Every 1 yr | Applies every year in the month in which your Regional Australia Bank Home Loan was first funded. |
| Monthly Service Fee | Periodic | No fee | Every 1 mo | The Monthly Service Fee is a flat monthly fee which entitles your Loan. |
| Agency Settlement/Handing Fee | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies in the event that we require an agent to attend a settlement or handle doc… |
| Approval Fee | Upfront | No fee | — | Applies when you get your loan approval for funding. |
| Loan Restructure Fee | Upfront | $200 | — | Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage. |
| PEXA Processing Fee | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we process a settlement relating to your loan through PEXA. |
| Property Valuation Costs | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to value each property offered or held as security at… |
| Registration of Discharge of Mortgage | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to register a discharge of mortgage relating to a pro… |
| Registration of Mortgage | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to register a mortgage relating to a property offered… |
| Registration of Transfer | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to register a transfer of land relating to a property… |
| Settlement Fee | Upfront | $225 | — | This fee applies when we process an incoming mortgage-secured settlement. |
| Title Search | Upfront | $1 | — | Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. This fee applies when we are required to perform a title search relating to a property offe… |
§ 03 — Features
Offset accountRedrawExtra repaymentsGuarantor optionRelationship manager
- · split loans allowed
- · Weekly, Fortnightly or Monthly repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Resident
- · Amount $500 to no maximum
- · Maximum LVR 95%
- · Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
- · 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 5% is required (with Lenders Mortgage Insurance)
§ 05 — Compare
§ 06 — Run the numbers
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Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 8 Sept 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.