Regional Australia Bank

Regional Australia Bank Basic Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $100,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $100,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $100,000 with an LVR below 95%

Choose the version of loan that suits you best

	Availability	Loan type	LVR	Min loan amount	Max loan amount
	Owner Occupier	Principal & Interest	< 95%	$150,000
	Owner Occupier	Interest Only	< 95%	$150,000
	Owner Occupier	Principal & Interest	< 95%	$100,000
	Owner Occupier	Interest Only	< 95%	$100,000
	Investor	Principal & Interest	< 95%	$100,000
	Investor	Interest Only	< 95%	$100,000

Owner Occupier (Principal & Interest)

LVR < 95%

Loan: $150,000
Owner Occupier (Interest Only)

LVR < 95%

Loan: $150,000
Owner Occupier (Principal & Interest)

LVR < 95%

Loan: $100,000
Owner Occupier (Interest Only)

LVR < 95%

Loan: $100,000
Investor (Principal & Interest)

LVR < 95%

Loan: $100,000
Investor (Interest Only)

LVR < 95%

Loan: $100,000

Rate

3.79% p.a.variable for 36 months and then 4.34% p.a.

Comparison Rate*

4.22% p.a.

Service fee

$0.00

Regional Australia Bank Basic Home Loan

Rate

3.79% p.a.variable for 36 months and then 4.34% p.a.

Comparison Rate*

4.22% p.a.

Service fee

$0.00

Customer Reviews

Rate

4.04% p.a.variable for 36 months and then 4.59% p.a.

Comparison Rate*

4.47% p.a.

Service fee

$0.00

Regional Australia Bank Basic Home Loan

Rate

4.04% p.a.variable for 36 months and then 4.59% p.a.

Comparison Rate*

4.47% p.a.

Service fee

$0.00

Customer Reviews

Rate

4.34% p.a.

Comparison Rate*

4.36% p.a.

Service fee

$0.00

Regional Australia Bank Basic Home Loan

Rate

4.34% p.a.

Comparison Rate*

4.36% p.a.

Service fee

$0.00

Customer Reviews

Rate

4.59% p.a.

Comparison Rate*

4.61% p.a.

Service fee

$0.00

Regional Australia Bank Basic Home Loan

Rate

4.59% p.a.

Comparison Rate*

4.61% p.a.

Service fee

$0.00

Customer Reviews

Rate

4.74% p.a.

Comparison Rate*

4.76% p.a.

Service fee

$0.00

Regional Australia Bank Basic Home Loan

Rate

4.74% p.a.

Comparison Rate*

4.76% p.a.

Service fee

$0.00

Customer Reviews

Rate

4.99% p.a.

Comparison Rate*

5.01% p.a.

Service fee

$0.00

Regional Australia Bank Basic Home Loan

Rate

4.99% p.a.

Comparison Rate*

5.01% p.a.

Service fee

$0.00

Customer Reviews

Customer Reviews

Details

Rates and fees information correct as at 17 October 2018.

Rates

Variable rate

4.34% p.a.
Intro rate

3.79% p.a.
Intro rate term

36 Months
Intro rate type

Variable
Comparison Rate*

4.22% p.a.
Fixed 1 year rate

n/a
Fixed 2 year rate

n/a
Fixed 3 year rate

n/a
Fixed 4 year rate

n/a
Fixed 5 year rate

n/a
Fixed 7 year rate

n/a
Fixed 10 year rate

n/a
Fixed loan revert rate

n/a

Fees

Application fee

$0.00
Legal fee

$250.00
Valuation fee

$0.00
Settlement fee

$0.00
Other upfront fee (% of loan)

none
Service fee

$0.00
Discharge fee

$250.00

Other financial bits

Minimum loan amount

$150,000
Maximum loan amount

none
Minimum LVR

none
Maximum LVR

95.00%

Features

Availability

Owner Occupier
Repayment Type

Principal & Interest
Repayment Frequency

Weekly, Fortnightly, Monthly
Extra repayments

yes - free
Repayment holidays

yes
Redraw facility

yes - free
Minimum redraw amount

$500.00
Split account

yes
Offset account

no
Other restrictions

Valuation fee payable at cost
Other benefits

none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 17 October 2018.

Rates

Variable rate

4.59% p.a.
Intro rate

4.04% p.a.
Intro rate term

36 Months
Intro rate type

Variable
Comparison Rate*

4.47% p.a.
Fixed 1 year rate

n/a
Fixed 2 year rate

n/a
Fixed 3 year rate

n/a
Fixed 4 year rate

n/a
Fixed 5 year rate

n/a
Fixed 7 year rate

n/a
Fixed 10 year rate

n/a
Fixed loan revert rate

n/a

Fees

Application fee

$0.00
Legal fee

$250.00
Valuation fee

$0.00
Settlement fee

$0.00
Other upfront fee (% of loan)

none
Service fee

$0.00
Discharge fee

$250.00

Other financial bits

Minimum loan amount

$150,000
Maximum loan amount

none
Minimum LVR

none
Maximum LVR

95.00%

Features

Availability

Owner Occupier
Repayment Type

Interest Only
Repayment Frequency

Weekly, Fortnightly, Monthly
Extra repayments

yes - free
Repayment holidays

yes
Redraw facility

yes - free
Minimum redraw amount

$500.00
Split account

yes
Offset account

no
Other restrictions

Valuation fee payable at cost
Other benefits

none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 17 October 2018.

Rates

Variable rate

4.34% p.a.
Intro rate

n/a
Intro rate term

0 Months
Intro rate type

none
Comparison Rate*

4.36% p.a.
Fixed 1 year rate

n/a
Fixed 2 year rate

n/a
Fixed 3 year rate

n/a
Fixed 4 year rate

n/a
Fixed 5 year rate

n/a
Fixed 7 year rate

n/a
Fixed 10 year rate

n/a
Fixed loan revert rate

n/a

Fees

Application fee

$0.00
Legal fee

$250.00
Valuation fee

$0.00
Settlement fee

$0.00
Other upfront fee (% of loan)

none
Service fee

$0.00
Discharge fee

$250.00

Other financial bits

Minimum loan amount

$100,000
Maximum loan amount

none
Minimum LVR

none
Maximum LVR

95.00%

Features

Availability

Owner Occupier
Repayment Type

Principal & Interest
Repayment Frequency

Weekly, Fortnightly, Monthly
Extra repayments

yes - free
Repayment holidays

yes
Redraw facility

yes - free
Minimum redraw amount

$500.00
Split account

yes
Offset account

no
Other restrictions

Valuation fee payable at cost
Other benefits

none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 17 October 2018.

Rates

Variable rate

4.59% p.a.
Intro rate

n/a
Intro rate term

0 Months
Intro rate type

none
Comparison Rate*

4.61% p.a.
Fixed 1 year rate

n/a
Fixed 2 year rate

n/a
Fixed 3 year rate

n/a
Fixed 4 year rate

n/a
Fixed 5 year rate

n/a
Fixed 7 year rate

n/a
Fixed 10 year rate

n/a
Fixed loan revert rate

n/a

Fees

Application fee

$0.00
Legal fee

$250.00
Valuation fee

$0.00
Settlement fee

$0.00
Other upfront fee (% of loan)

none
Service fee

$0.00
Discharge fee

$250.00

Other financial bits

Minimum loan amount

$100,000
Maximum loan amount

none
Minimum LVR

none
Maximum LVR

95.00%

Features

Availability

Owner Occupier
Repayment Type

Interest Only
Repayment Frequency

Weekly, Fortnightly, Monthly
Extra repayments

yes - free
Repayment holidays

yes
Redraw facility

yes - free
Minimum redraw amount

$500.00
Split account

yes
Offset account

no
Other restrictions

Valuation fee payable at cost
Other benefits

none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 17 October 2018.

Rates

Variable rate

4.74% p.a.
Intro rate

n/a
Intro rate term

0 Months
Intro rate type

none
Comparison Rate*

4.76% p.a.
Fixed 1 year rate

n/a
Fixed 2 year rate

n/a
Fixed 3 year rate

n/a
Fixed 4 year rate

n/a
Fixed 5 year rate

n/a
Fixed 7 year rate

n/a
Fixed 10 year rate

n/a
Fixed loan revert rate

n/a

Fees

Application fee

$0.00
Legal fee

$250.00
Valuation fee

$0.00
Settlement fee

$0.00
Other upfront fee (% of loan)

none
Service fee

$0.00
Discharge fee

$250.00

Other financial bits

Minimum loan amount

$100,000
Maximum loan amount

none
Minimum LVR

none
Maximum LVR

95.00%

Features

Availability

Investor
Repayment Type

Principal & Interest
Repayment Frequency

Weekly, Fortnightly, Monthly
Extra repayments

yes - free
Repayment holidays

yes
Redraw facility

yes - free
Minimum redraw amount

$500.00
Split account

yes
Offset account

no
Other restrictions

Valuation fee payable at cost
Other benefits

none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 17 October 2018.

Rates

Variable rate

4.99% p.a.
Intro rate

n/a
Intro rate term

0 Months
Intro rate type

none
Comparison Rate*

5.01% p.a.
Fixed 1 year rate

n/a
Fixed 2 year rate

n/a
Fixed 3 year rate

n/a
Fixed 4 year rate

n/a
Fixed 5 year rate

n/a
Fixed 7 year rate

n/a
Fixed 10 year rate

n/a
Fixed loan revert rate

n/a

Fees

Application fee

$0.00
Legal fee

$250.00
Valuation fee

$0.00
Settlement fee

$0.00
Other upfront fee (% of loan)

none
Service fee

$0.00
Discharge fee

$250.00

Other financial bits

Minimum loan amount

$100,000
Maximum loan amount

none
Minimum LVR

none
Maximum LVR

95.00%

Features

Availability

Investor
Repayment Type

Interest Only
Repayment Frequency

Weekly, Fortnightly, Monthly
Extra repayments

yes - free
Repayment holidays

yes
Redraw facility

yes - free
Minimum redraw amount

$500.00
Split account

yes
Offset account

no
Other restrictions

Valuation fee payable at cost
Other benefits

none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Regional Australia Bank home loans rated by the Mozo community?

Overall customer rating

8.4/10

Based on 9 Regional Australia Bank home loan reviews

Price

8.2/10

Features

7.3/10

Customer service

8.2/10

Convenience

8.4/10

Trust

8.8/10

Latest review of Regional Australia Bank Basic Home Loan

Overall

7/10

hey

Come

Read full review

Come

Price

10/10

Features

8/10

Customer service

8/10

Convenience

8/10

Trust

8/10

Less

Kurstin | New South Wales

reviewed over 3 years ago

Promoted

loans.com.au

loans.com.au

Essentials Variable

interest rate

3.64% p.a. variable

comparison rate*

3.66% p.a.

upfront fees

$520

Promoted

NAB

NAB

Base Variable Rate Home Loan

interest rate

3.69% p.a. variable

comparison rate*

3.73% p.a.

upfront fees

$600

Promoted

UBank

UBank

UHomeLoan - Offer

interest rate

3.59% p.a. variable

comparison rate*

3.59% p.a.

upfront fees

$0

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

interest rate

3.67% p.a. variable

comparison rate*

3.69% p.a.

upfront fees

$150

Promoted

HSBC

HSBC

Home Value Loan

interest rate

3.64% p.a. variable

comparison rate*

3.66% p.a.

upfront fees

$150

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

interest rate

3.68% p.a. variable

comparison rate*

3.82% p.a.

upfront fees

$150

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

interest rate

3.72% p.a. variable

comparison rate*

4.12% p.a.

upfront fees

$0

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

interest rate

3.68% p.a. variable

comparison rate*

3.69% p.a.

upfront fees

$0

Promoted

loans.com.au

loans.com.au

Essentials Variable

variable rate

3.64% p.a.

comparison rate*

3.66% p.a.

upfront fees

$520

Promoted

NAB

NAB

Base Variable Rate Home Loan

variable rate

3.69% p.a.

comparison rate*

3.73% p.a.

upfront fees

$600

Promoted

UBank

UBank

UHomeLoan - Offer

variable rate

3.59% p.a.

comparison rate*

3.59% p.a.

upfront fees

$0

Promoted

HSBC

HSBC

Home Value Loan

variable rate

3.64% p.a.

comparison rate*

3.66% p.a.

upfront fees

$150

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

variable rate

3.67% p.a.

comparison rate*

3.69% p.a.

upfront fees

$150

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

variable rate

3.64% p.a.

comparison rate*

3.78% p.a.

upfront fees

$150

Promoted

Suncorp

Suncorp

Back to Basics

variable rate

3.79% p.a.

comparison rate*

3.80% p.a.

upfront fees

$0

Promoted

Bank Australia

Bank Australia

Basic Home Loan

variable rate

3.65% p.a.

comparison rate*

3.66% p.a.

upfront fees

$0

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

interest rate

3.99% p.a.
fixed 3 years

comparison rate*

4.31% p.a.

Upfront fees

$520

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

Ultimate Fixed Home Loan (Package)

interest rate

n/a

comparison rate*

n/a

Upfront fees

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

interest rate

3.74% p.a.
fixed 3 years

comparison rate*

4.01% p.a.

Upfront fees

$395

Promoted

Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

interest rate

3.83% p.a.
fixed 3 years

comparison rate*

4.90% p.a.

Upfront fees

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

interest rate

3.99% p.a.
fixed 3 years

comparison rate*

4.82% p.a.

Upfront fees

$0

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

interest rate

3.87% p.a.
fixed 3 years

comparison rate*

4.02% p.a.

Upfront fees

$150

Promoted

bcu

bcu

Fixed Rate Home Loan

interest rate

3.90% p.a.
fixed 3 years

comparison rate*

4.78% p.a.

Upfront fees

$600

Promoted

UBank

UBank

UHomeLoan (Fixed)

interest rate

3.74% p.a.
fixed 3 years

comparison rate*

4.01% p.a.

Upfront fees

$395

Promoted

loans.com.au

loans.com.au

Essentials Variable

Rate

3.64% p.a.

Comparison Rate*

3.66% p.a.

Service fee

$0.00

Promoted

NAB

NAB

Base Variable Rate Home Loan

Rate

3.69% p.a.

Comparison Rate*

3.73% p.a.

Service fee

$0.00

Promoted

UBank

UBank

UHomeLoan - Offer

Rate

3.59% p.a.

Comparison Rate*

3.59% p.a.

Service fee

$0.00

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

Rate

3.67% p.a.

Comparison Rate*

3.69% p.a.

Service fee

$0.00

Promoted

HSBC

HSBC

Home Value Loan

Rate

3.64% p.a.

Comparison Rate*

3.66% p.a.

Service fee

$0.00

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

Rate

3.68% p.a.

Comparison Rate*

3.82% p.a.

Service fee

$10.00 monthly

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

Rate

3.72% p.a.

Comparison Rate*

4.12% p.a.

Service fee

$395.00 yearly

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

Rate

3.68% p.a.

Comparison Rate*

3.69% p.a.

Service fee

$0.00

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Compare other home loans