Regional Australia BankRegional Australia Bank Home Loan (Fixed Investor)
Our fixed-rate home loan is a great option if you'd prefer to lock in your home loan repayments and stay on top of your budgeting.
Home loansBank updated 22 Oct 2026
At a glance
- Max LVR
- 90%
- Annual fee
- $0
Rates
Every rate Regional Australia Bank publishes for this home loan, 40 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- 1 yr fixed6.54%
- 2 yrs fixed6.57%
- 3 yrs fixed6.57%
- 4 yrs fixed6.94%
- 5 yrs fixed7.09%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedLoan 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 | 1 yr fixed | ≤60% LVR | 6.49% | 6.38% | - |
| FixedLoan 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 | 1 yr fixed | 60–70% LVR | 6.54% | 6.43% | - |
| FixedLoan 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 | 1 yr fixed | 70–80% LVR | 6.54% | 6.52% | - |
| FixedLoan 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 | 1 yr fixed | 80–90% LVR | 7.09% | 7.11% | - |
| FixedLoan 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 | 2 yrs fixed | ≤60% LVR | 6.51% | 6.40% | - |
| FixedLoan 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 | 2 yrs fixed | 60–70% LVR | 6.57% | 6.45% | - |
| FixedLoan 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 | 2 yrs fixed | 70–80% LVR | 6.57% | 6.53% | - |
| FixedLoan 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 | 2 yrs fixed | 80–90% LVR | 7.12% | 7.12% | - |
| FixedLoan 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 | 3 yrs fixed | ≤60% LVR | 6.51% | 6.42% | - |
| FixedLoan 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 | 3 yrs fixed | 60–70% LVR | 6.57% | 6.47% | - |
| FixedLoan 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 | 3 yrs fixed | 70–80% LVR | 6.57% | 6.54% | - |
| FixedLoan 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 | 3 yrs fixed | 80–90% LVR | 7.12% | 7.12% | - |
| FixedLoan 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 | 4 yrs fixed | ≤60% LVR | 6.79% | 6.53% | - |
| FixedLoan 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 | 4 yrs fixed | 60–70% LVR | 6.94% | 6.61% | - |
| FixedLoan 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 | 4 yrs fixed | 70–80% LVR | 6.94% | 6.68% | - |
| FixedLoan 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 | 4 yrs fixed | 80–90% LVR | 7.44% | 7.24% | - |
| FixedLoan 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 | 5 yrs fixed | ≤60% LVR | 6.94% | 6.62% | - |
| FixedLoan 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 | 5 yrs fixed | 60–70% LVR | 7.09% | 6.72% | - |
| FixedLoan 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 | 5 yrs fixed | 70–80% LVR | 7.09% | 6.77% | - |
| FixedLoan 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 | 5 yrs fixed | 80–90% LVR | 7.51% | 7.30% | - |
| FixedLoan 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 | 1 yr fixed | ≤60% LVR | 6.49% | 6.38% | - |
| FixedLoan 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 | 1 yr fixed | 60–70% LVR | 6.54% | 6.43% | - |
| FixedLoan 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 | 1 yr fixed | 70–80% LVR | 6.54% | 6.52% | - |
| FixedLoan 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 | 1 yr fixed | 80–90% LVR | 7.09% | 7.11% | - |
| FixedLoan 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 | 2 yrs fixed | ≤60% LVR | 6.51% | 6.40% | - |
| FixedLoan 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 | 2 yrs fixed | 60–70% LVR | 6.57% | 6.45% | - |
| FixedLoan 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 | 2 yrs fixed | 70–80% LVR | 6.57% | 6.53% | - |
| FixedLoan 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 | 2 yrs fixed | 80–90% LVR | 7.12% | 7.12% | - |
| FixedLoan 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 | 3 yrs fixed | ≤60% LVR | 6.51% | 6.42% | - |
| FixedLoan 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 | 3 yrs fixed | 60–70% LVR | 6.57% | 6.47% | - |
| FixedLoan 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 | 3 yrs fixed | 70–80% LVR | 6.57% | 6.54% | - |
| FixedLoan 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 | 3 yrs fixed | 80–90% LVR | 7.12% | 7.12% | - |
| FixedLoan 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 | 4 yrs fixed | ≤60% LVR | 6.79% | 6.54% | - |
| FixedLoan 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 | 4 yrs fixed | 60–70% LVR | 6.94% | 6.62% | - |
| FixedLoan 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 | 4 yrs fixed | 70–80% LVR | 6.94% | 6.68% | - |
| FixedLoan 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 | 4 yrs fixed | 80–90% LVR | 7.44% | 7.24% | - |
| FixedLoan 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 | 5 yrs fixed | ≤60% LVR | 6.94% | 6.63% | - |
| FixedLoan 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 | 5 yrs fixed | 60–70% LVR | 7.09% | 6.73% | - |
| FixedLoan 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 | 5 yrs fixed | 70–80% LVR | 7.09% | 6.78% | - |
| FixedLoan 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 | 5 yrs fixed | 80–90% LVR | 7.51% | 7.30% | - |
Rate changes
40 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 23 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 70–80% LVR | 6.42% | 6.57% | up 0.15 |
| 23 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 70–80% LVR | 6.42% | 6.57% | up 0.15 |
| 3 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 60–70% LVR | 6.63% | 6.94% | up 0.31 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, ≤60% LVR | 6.39% | 6.49% | up 0.10 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, 60–70% LVR | 6.39% | 6.54% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, 70–80% LVR | 6.39% | 6.54% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR | 6.86% | 7.09% | up 0.23 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, ≤60% LVR | 6.42% | 6.51% | up 0.09 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 60–70% LVR | 6.42% | 6.57% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR | 6.88% | 7.12% | up 0.24 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, ≤60% LVR | 6.19% | 6.51% | up 0.32 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 60–70% LVR | 6.24% | 6.57% | up 0.33 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 70–80% LVR | 6.24% | 6.57% | up 0.33 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR | 6.88% | 7.12% | up 0.24 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, ≤60% LVR | 6.53% | 6.79% | up 0.26 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 70–80% LVR | 6.79% | 6.94% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 80–90% LVR | 6.99% | 7.44% | up 0.45 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, ≤60% LVR | 6.67% | 6.94% | up 0.27 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 60–70% LVR | 6.76% | 7.09% | up 0.33 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 70–80% LVR | 6.92% | 7.09% | up 0.17 |
| 2 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 80–90% LVR | 7.12% | 7.51% | up 0.39 |
| 2 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, ≤60% LVR | 6.39% | 6.49% | up 0.10 |
| 2 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, 60–70% LVR | 6.39% | 6.54% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, 70–80% LVR | 6.39% | 6.54% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, 80–90% LVR | 6.86% | 7.09% | up 0.23 |
| 2 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, ≤60% LVR | 6.42% | 6.51% | up 0.09 |
| 2 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 60–70% LVR | 6.42% | 6.57% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR | 6.88% | 7.12% | up 0.24 |
| 2 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, ≤60% LVR | 6.19% | 6.51% | up 0.32 |
| 2 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 60–70% LVR | 6.24% | 6.57% | up 0.33 |
| 2 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 70–80% LVR | 6.24% | 6.57% | up 0.33 |
| 2 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR | 6.88% | 7.12% | up 0.24 |
| 2 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, ≤60% LVR | 6.53% | 6.79% | up 0.26 |
| 2 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, 60–70% LVR | 6.63% | 6.94% | up 0.31 |
| 2 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, 70–80% LVR | 6.79% | 6.94% | up 0.15 |
| 2 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, 80–90% LVR | 6.99% | 7.44% | up 0.45 |
| 2 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, ≤60% LVR | 6.67% | 6.94% | up 0.27 |
| 2 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 60–70% LVR | 6.76% | 7.09% | up 0.33 |
| 2 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 70–80% LVR | 6.92% | 7.09% | up 0.17 |
| 2 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR | 7.12% | 7.51% | up 0.39 |
Each change is logged the night it appears in the rates Regional Australia Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
17 fees published, grouped by when they're charged.
- When you take it outUp to $22510 fees, each listed below
- While you hold itVaries2 fees, each listed below
- When you close it or pay it offNo feeBreak Cost Fee
When you take it out10
- Agency Settlement/Handing Fee
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…
From $1 - Approval Fee
Applies when you get your loan approval for funding.
No fee - Loan Restructure Fee
Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage.
$200 - PEXA Processing Fee
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.
From $1 - Property Valuation Costs
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…
From $1 - Registration of Discharge of Mortgage
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…
From $1 - Registration of Mortgage
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…
From $1 - Registration of Transfer
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…
From $1 - Settlement Fee
This fee applies when we process an incoming mortgage-secured settlement.
$225 - Title Search
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…
From $1
While you hold it2
- Annual Fee
Applies every year in the month in which your Regional Australia Bank Home Loan was first funded.
No fee - Monthly Service Fee
The Monthly Service Fee is a flat monthly fee which entitles your Loan.
No fee
When particular things happen4
- Default Notice Fee
Applies when you fail to make your contracted repayments and we are required to issue a default notice to you.
$30 - 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.
$395 - Late Payment Notice Fee
Applies when you fail to make your contracted repayments by the repayment due date.
$20 - Loan Top Up Fee
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.
$195
When you close it or pay it off1
- Break Cost Fee
This fee applies when you want to payout the facility early.
No fee
Features
Guarantor optionRelationship manager
- Ability to split your loan is available with this product
- No Approval, Monthly or Annual Fees.
- A fixed interest rate provides you with certainty over your future repayments during the fixed period.
- Weekly, Fortnightly or Monthly repayments available.
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Amount from $500, no maximum
- Maximum LVR 90%
- 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)
Compare it with others
Put this product through a calculator
Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 22 Oct 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.