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 April 3, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information LVR 60% or less. Interest is per annum (p.a.). The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years, using the fixed interest rate for the initial fixed term, reverting to the relevant principal and interest, variable rate for the remaining term. 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 5.66% PA
Comparison Rate 5.91%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..
OWNER_OCCUPIED, FIXED, 7.21%
Lending Rate Type: Fixed
Interest Rate: 7.21%, Comparison Rate 7.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.98%
Lending Rate Type: Fixed
Interest Rate: 5.98%, Comparison Rate 6.15%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.33%
Lending Rate Type: Fixed
Interest Rate: 6.33%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.86%
Lending Rate Type: Fixed
Interest Rate: 6.86%, Comparison Rate 7.09%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.60%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 6.30%
Lending Rate Type: Fixed
Interest Rate: 6.30%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.75%
Lending Rate Type: Fixed
Interest Rate: 5.75%, Comparison Rate 5.92%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.12%
Lending Rate Type: Fixed
Interest Rate: 6.12%, Comparison Rate 6.38%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.64%
Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.82%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.86%
Lending Rate Type: Fixed
Interest Rate: 6.86%, Comparison Rate 7.04%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 7.03%
Lending Rate Type: Fixed
Interest Rate: 7.03%, Comparison Rate 7.22%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.21%
Lending Rate Type: Fixed
Interest Rate: 6.21%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.75%
Lending Rate Type: Fixed
Interest Rate: 5.75%, Comparison Rate 5.95%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.21%
Lending Rate Type: Fixed
Interest Rate: 6.21%, Comparison Rate 6.38%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.58%
Lending Rate Type: Fixed
Interest Rate: 6.58%, Comparison Rate 6.66%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 7.03%
Lending Rate Type: Fixed
Interest Rate: 7.03%, Comparison Rate 7.26%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.39%
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.46%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.05%
Lending Rate Type: Fixed
Interest Rate: 6.05%, Comparison Rate 6.15%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 5.66%
Lending Rate Type: Fixed
Interest Rate: 5.66%, Comparison Rate 5.91%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 7.13%
Lending Rate Type: Fixed
Interest Rate: 7.13%, Comparison Rate 7.25%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 5.96%
Lending Rate Type: Fixed
Interest Rate: 5.96%, Comparison Rate 6.16%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.76%
Lending Rate Type: Fixed
Interest Rate: 6.76%, Comparison Rate 7.04%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 5.98%
Lending Rate Type: Fixed
Interest Rate: 5.98%, Comparison Rate 6.18%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 5.96%
Lending Rate Type: Fixed
Interest Rate: 5.96%, Comparison Rate 6.13%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.55%
Lending Rate Type: Fixed
Interest Rate: 6.55%, Comparison Rate 6.82%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.95%
Lending Rate Type: Fixed
Interest Rate: 6.95%, Comparison Rate 7.07%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 7.04%
Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 7.13%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.40%
Lending Rate Type: Fixed
Interest Rate: 6.40%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 6.51%
Lending Rate Type: Fixed
Interest Rate: 6.51%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.82%
Lending Rate Type: Fixed
Interest Rate: 6.82%, Comparison Rate 6.91%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.74%
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.85%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 5.89%
Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.14%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.16%
Lending Rate Type: Fixed
Interest Rate: 6.16%, Comparison Rate 6.22%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.42%
Lending Rate Type: Fixed
Interest Rate: 6.42%, Comparison Rate 6.60%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.20%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 6.60%
Lending Rate Type: Fixed
Interest Rate: 6.60%, Comparison Rate 6.68%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.93%
Lending Rate Type: Fixed
Interest Rate: 5.93%, Comparison Rate 5.99%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.85%
Lending Rate Type: Fixed
Interest Rate: 5.85%, Comparison Rate 5.95%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.64%
Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.87%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.40%
Lending Rate Type: Fixed
Interest Rate: 6.40%, Comparison Rate 6.58%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 6.94%
Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 7.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 6.30%
Lending Rate Type: Fixed
Interest Rate: 6.30%, Comparison Rate 6.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, FIXED, 6.08%
Lending Rate Type: Fixed
Interest Rate: 6.08%, Comparison Rate 6.17%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
INVESTMENT, FIXED, 5.86%
Lending Rate Type: Fixed
Interest Rate: 5.86%, Comparison Rate 6.12%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Product Features
OtherAdditional Information: No Approval, Monthly or Annual Fees.
OtherAdditional Information: Ability to split your loan is available with this product.
OtherAdditional Information: 3% Discount on Your Choice Credit Card
OtherAdditional Information: Weekly, Fortnightly or Monthly repayments available.
OtherAdditional Information: Available for Owner Occupiers and Investors
OtherAdditional Information: A fixed interest rate provides you with certainty over your future repayments during the fixed period.
Product Eligibility
OtherAdditional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
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.
OtherAdditional Information: Borrowers must demonstrate at least 6 months continuing employment history at the time of application.
OtherAdditional 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: Applies when we are required to register a mortgage relating to a property offered 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.
Fixed Rate Break Cost (Variable), Amount: Not Listed.. Additional Information: You may have to pay this if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. This is calculated specifically related to the individual event.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Late Payment Notice Fee (Event), Amount: 20.00. Additional Information: Applies when you fail to make your contracted repayments by the repayment due date.
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)
Opening Balance of 500.00 Additional Information: The minimum loan amount for this product is $500.
