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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

   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.
Category: Home Loans  Last Updated December 21, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 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.
Interest Rate
4.98% PA
Comparison Rate
5.22%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 vary based on the LVR and other conditions..

Lending Rate Type: Fixed
Interest Rate: 5.52%, Comparison Rate 5.75%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.00%, Comparison Rate 6.18%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.41%, Comparison Rate 6.24%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.23%, Comparison Rate 5.27%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.77%, Comparison Rate 5.45%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.30%, Comparison Rate 5.28%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.39%, Comparison Rate 5.38%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.16%, Comparison Rate 6.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.52%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.40%, Comparison Rate 5.28%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.08%, Comparison Rate 5.32%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.40%, Comparison Rate 5.28%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.26%, Comparison Rate 5.75%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.50%, Comparison Rate 5.38%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.05%, Comparison Rate 6.18%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.68%, Comparison Rate 5.79%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 5.48%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 5.48%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.57%, Comparison Rate 5.74%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.01%, Comparison Rate 5.90%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.55%, Comparison Rate 5.35%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.30%, Comparison Rate 6.25%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.52%, Comparison Rate 5.37%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.27%, Comparison Rate 6.25%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.55%, Comparison Rate 5.35%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.65%, Comparison Rate 5.31%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.86%, Comparison Rate 5.55%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.08%, Comparison Rate 5.67%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.75%, Comparison Rate 5.41%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 4.98%, Comparison Rate 5.22%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.30%, Comparison Rate 5.28%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.61%, Comparison Rate 5.46%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.52%, Comparison Rate 5.37%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 5.81%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.64%, Comparison Rate 5.45%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 5.61%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.83%, Comparison Rate 5.58%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.35%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.23%, Comparison Rate 5.27%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.82%, Comparison Rate 5.50%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.65%, Comparison Rate 5.31%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.93%, Comparison Rate 5.43%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.33%, Comparison Rate 5.36%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.25%, Comparison Rate 6.23%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.77%, Comparison Rate 5.45%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.77%, Comparison Rate 5.45%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Product Features

  • Other Additional Information: Weekly, Fortnightly or Monthly repayments available.
  • Other Additional Information: A fixed interest rate provides you with certainty over your future repayments during the fixed period.
  • Other Additional Information: No Approval, Monthly or Annual Fees.
  • Other Additional Information: Ability to split your loan is available with this product
  • Relationship Management Additional Information: Dedicated Relationship Manager
  • Guarantor Additional Information: A Guarantor can be nominated to the loan during the origination process

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: 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

  • Registration Of Mortgage (Variable), Amount: Not Listed.. Additional Information: 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 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.
  • 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 Top Up Fee (Event), Amount: 195.00. Additional Information: 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.
  • Title Search (Variable), Amount: Not Listed.. Additional Information: 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.
  • Property Valuation Costs (Variable), Amount: Not Listed.. Additional Information: 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 the commencement of your loan, and when required throughout the life of your loan.
  • Agency Settlement/handing Fee (Variable), Amount: Not Listed.. Additional Information: 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 documentation, relating to your loan.
  • 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.
  • Registration Of Discharge Of Mortgage (Variable), Amount: Not Listed.. Additional Information: 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.
  • Registration Of Transfer (Variable), Amount: Not Listed.. Additional Information: 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.
  • Pexa Processing Fee (Variable), Amount: Not Listed.. Additional Information: 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.
  • Annual Fee (Event), Amount: 0.00. Additional Information: Applies every year in the month in which your Regional Australia Bank Home Loan was first funded.
  • Approval Fee (Event), Amount: 0.00. Additional Information: Applies when you get your loan approval for funding.
  • Monthly Service Fee (Periodic), Amount: 0.00. Additional Information: The Monthly Service Fee is a flat monthly fee which entitles your Loan.
  • Break Cost Fee (Exit), Amount: 0.00. Additional Information: This fee applies when you want to payout the facility early.
  • Settlement Fee (Event), Amount: 225.00. Additional Information: This fee applies when we process an incoming mortgage-secured settlement.
  • Discharge Of Mortgage Preparation (Event), Amount: 395.00. Additional Information: Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan.

 Limitations & Restrictions (Constraints)

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

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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