Regional Australia Bank Home Loan (Offset)
Reduce interest charges on your variable rate home loan and pay your mortgage off sooner.
- From (owner occupied)
- 6.2%
- 6.23% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable 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 rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change. | 6.2% | 6.23% | LVR 60% or less |
| Variable 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 rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change. | 6.2% | 6.23% | LVR 60% to 70% |
| Variable 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 rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change. | 6.3% | 6.33% | LVR 70% to 80% |
| Variable |
Fees
| Fee | Type | Amount |
|---|---|---|
| Late Payment Notice Fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $20.00 |
| 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 offered, or held, as security for your loan. | Upfront | From $1.00 |
| 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. | Event | $195.00 |
| 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 held as security for your loan. | Upfront | From $1.00 |
| 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 property held as security for your loan. | Upfront | From $1.00 |
Features
- split loans allowed
- Offset account
- Up to 8 100% Offset accounts per variable loan account
- Relationship management
- Dedicated Relationship Manager
- Weekly, Fortnightly or Monthly repayments
- Guarantor supported
- A Guarantor can be nominated to the loan during the origination process
- Extra repayments
- Allows advance payments at no additional cost
- Redraw facility
- Minimum redraw amount is $500
Eligibility
- Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
- Residency status — Australian ResidentIndividuals must be citizens or permanent residents of Australia.
- 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)
- Minimum age — 18 yearsBorrowers must be aged 16 or older to apply. Applicants under 18 years of age, but over 16 years, may only enter into a loan contract with an adult as co-applicant or guarantor.
Constraints
- Minimum limit — $500.00The Regional Australia Bank Home Loan is only available for borrowings with over $500 of new lending.
- Maximum LVR — 95%
More Information
Published by Regional Australia Bank under the Consumer Data Right · Last updated 11 June 2026 · Product ID 20f4e08a-09a1-418a-85ab-287ceefd191f · View on CDR.gov.au