Regional Australia Bank Home Loan (Fixed Owner Occupied)

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.

From (owner occupied): 6.2%; 6.04% comparison

Apply at Regional Australia Bank

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Fixed · 1 year 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%	6.04%	LVR 60% to 70%
Fixed · 1 year 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%	6.04%	LVR Less than 60%
Fixed · 1 year 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%	6.13%	LVR 70% to 80%

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

Relationship management: Dedicated Relationship 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.
Guarantor supported: A Guarantor can be nominated to the loan during the origination process

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 f4968da6-55cc-4b5e-9ef7-4ca5a276001f · View on CDR.gov.au · View Source Data (JSON)

Type	Rate	Comparison	Applies To
Fixed · 1 year 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.	6.45%	6.15%	LVR 70% to 80%
Fixed · 1 year 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.	6.45%	6.06%	LVR Less than 60%
Fixed · 1 year 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.	6.45%	6.06%	LVR 60% to 70%
Fixed · 3 years 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.	6.47%	6.22%	LVR 70% to 80%
Fixed · 2 years 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.	6.47%	6.19%	LVR 70% to 80%
Fixed · 3 years 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.	6.47%	6.15%	LVR Less than 60%
Fixed · 3 years 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.	6.47%	6.15%	LVR 60% to 70%
Fixed · 2 years 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.	6.47%	6.11%	LVR 60% to 70%
Fixed · 2 years 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.	6.47%	6.11%	LVR Less than 60%
Fixed · 4 years 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.	6.64%	6.25%	LVR 60% to 70%
Fixed · 4 years 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.	6.64%	6.25%	LVR Less than 60%
Fixed · 5 years 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.	6.77%	6.35%	LVR Less than 60%
Fixed · 5 years 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.	6.77%	6.35%	LVR 60% to 70%
Fixed · 4 years 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.	6.79%	6.37%	LVR 70% to 80%
Fixed · 1 year 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.	6.84%	6.19%	LVR 80% to 90%
Fixed · 2 years 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.	6.85%	6.27%	LVR 80% to 90%
Fixed · 3 years 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.	6.85%	6.33%	LVR 80% to 90%
Fixed · 5 years 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.	6.92%	6.47%	LVR 70% to 80%
Fixed · 4 years 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.	6.97%	6.43%	LVR 80% to 90%
Fixed · 5 years 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.	7.1%	6.55%	LVR 80% to 90%
Fixed · 1 year 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.	7.2%	7%	LVR More than 90%
Fixed · 3 years 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.	7.22%	7.05%	LVR More than 90%
Fixed · 2 years 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.	7.22%	7.02%	LVR More than 90%
Fixed · 4 years 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.	7.34%	7.11%	LVR More than 90%
Fixed · 5 years 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.	7.47%	7.2%	LVR More than 90%