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Example Interest Rates: Home Loan Variable: 2.54% (2.74%*) • Home Loan Fixed: 3.74% (3.8%*) • Fixed: 2.48% (2.94%*) • Variable: 2.54% (2.74%*) • Investment IO: 2.3% (3.76%*) • Investment PI: 2.04% (3.8%*)

  Partnership Advantage Home Loan

Our fully featured home loan offers offset accounts, redraw, fee waivers and discounts across a host of other products.
Category: Home Loans  Last Updated July 15, 2022  Effective July 29, 2022

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Interest is per annum (p.a.). Variable Rate for Owner Occupied Loan with Principal & Interest repayments. The Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Partnership Advantage Home Loans. The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
4.24% PA
Comparison Rate
4.6%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  INVESTMENT, VARIABLE, 4.74%
  • Lending Rate Type: Variable
  • Interest Rate: 4.74%, Comparison Rate 5.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 5.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 5.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OWNER_OCCUPIED, FIXED, 5.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 5.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 5.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OWNER_OCCUPIED, VARIABLE, 4.49%
  • Lending Rate Type: Variable
  • Interest Rate: 4.49%, Comparison Rate 4.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.59%, Comparison Rate 4.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 4.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 4.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 4.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.79%, Comparison Rate 5.1%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OWNER_OCCUPIED, FIXED, 5.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 5.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 5.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OWNER_OCCUPIED, FIXED, 5.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.09%, Comparison Rate 4.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 5.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 5.84%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OWNER_OCCUPIED, FIXED, 5.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 4.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 5.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 4.99%
  • Lending Rate Type: Variable
  • Interest Rate: 4.99%, Comparison Rate 5.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OWNER_OCCUPIED, VARIABLE, 4.24%
  • Lending Rate Type: Variable
  • Interest Rate: 4.24%, Comparison Rate 4.6%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Offset Additional Information: Up to 8 100% Offset accounts per variable loan account
  • Redraw Additional Information: Minimum redraw amount is $500. (Variable loans only)
  • Complementary Product Discounts Additional Information: $40 Annual Fee waived on 'Your Choice Visa Credit Card'
  • Complementary Product Discounts Additional Information: $195 Annual Fee waived on 'Visa Platinum Rewards Credit Card'
  • Complementary Product Discounts Additional Information: 5% Discount on the purchase rate for a linked 'Your Choice Credit Card'
  • Other Additional Information: No Monthly Access Fee on your Savings or Transaction accounts where the minimum monthly membership balance exceeds $5,000.
  • Other Additional Information: Weekly, Fortnightly or Monthly repayments
  • Other Additional Information: split loans allowed
  • Complementary Product Discounts Additional Information: Up to 10% discount on CGU insurance policies taken out in the name(s) of the borrower(s).

 Product Eligibility

  • Residency Status - Australian Resident. Additional Information: Individuals must be citizens or permanent residents of Australia.
  • Min Age - 16. Additional Information: Borrowers 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.
  • Other Additional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
  • Other Additional Information: Borrowers must demonstrate at least 6 months continuing employment history at the time of application.
  • Other Additional Information: Minimum Deposit of 20% is required (without Lenders Mortgage Insurance)
  • Other Additional Information: Minimum Deposit of 5% is required (with Lenders Mortgage Insurance)
  • Other Additional Information: As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.

 Bank Fees and Charges

  • Agency Settlement/handing Fee (Variable), Amount: Not Listed.. Additional Information: Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan.
  • Owner Builder Loan Approval Fee (Upfront), Amount: 500.00. Additional Information: Applied on approval of your Owner Builder Facility loan, prior to the initial drawdown.
  • Partnership Advantage Annual Fee (Periodic), Amount: 375.00. Additional Information: Applies every year in the month in which your Partnership Advantage loan was first funded.
  • Registration Of Mortgage (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to register a mortgage relating to a property offered as security for your loan.
  • Registration Of Discharge Of Mortgage (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan.
  • Registration Of Transfer (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to register a transfer of land relating to a property held as security for your loan.
  • Pexa Processing Fee (Variable), Amount: Not Listed.. Additional Information: Applies when we process a settlement relating to your loan through PEXA.
  • Replacement Certificate Of Title (Variable), Amount: Not Listed.. Additional Information: Applies when you request a replacement certificate of title relating to mortgaged property that is held as security for your loan.
  • Late Payment Notice Fee (Event), Amount: 20.00. Additional Information: Applies when you fail to make your contracted repayments by the repayment due date.
  • Loan Restructure Fee (Upfront), Amount: 200.00. Additional Information: Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage.
  • Title Search (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to perform a title search relating to a property offered, or held, as security for your loan.
  • Loan Top Up Fee (Event), Amount: 195.00. Additional Information: Applies on approval of an additional borrowing against a property that we hold an existing mortgage over.
  • Discharge Of Mortgage Preparation (Event), Amount: 250.00. Additional Information: Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan.
  • Mortgage Documentation Preparation (Event), Amount: 250.00. Additional Information: Applies when we are required to prepare mortgage documentation relating to a property offered as security for your loan.
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: Applies when you fail to make your contracted repayments and we are required to issue a default notice to you.
  • Property Valuation Costs (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to value each property offered or held as security at the commencement of your loan, and when required throughout the life of your loan.

 Limitations & Restrictions (Constraints)

  • Min Balance of 500.00 Additional Information: The Partnership Advantage Home Loan is only available for borrowings with over $500 of new lending.

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