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Regional Australia Bank · Home loans
Regional Australia Bank Home Loan (Non Offset)
Regional Australia Bank Home Loan (Non Offset) is a home loan. The figures are the ones Regional Australia Bank publishes under the Consumer Data Right today. The advertised rate last moved on 22 October 2026, up from 5.89% to 6.14%.
Advertised rate
6.14%
headline tier
Comparison rate
6.17%
as published
Last moved
+0.25pp
22 October 2026
Advertised rate, last 30 days. Between 5.89% and 6.14% over the last 30 days.
Every current rate (18)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%LVR Less than 60% | 6.14% | 6.17% |
| Variable, Owner occupier, P&I, LVR 60 to 70%LVR 60% to 70% | 6.19% | 6.22% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR 70% to 80% | 6.29% | 6.32% |
| Variable, Investor, P&I, LVR up to 60%LVR Less than 60% | 6.34% | 6.37% |
| Variable, Investor, Interest only, LVR up to 60%LVR Less than 60% | 6.34% | 6.37% |
| Variable, Owner occupier, Interest only, LVR up to 60%LVER Less than 60% | 6.39% | 6.19% |
| Variable, Investor, Interest only, LVR 60 to 70%LVR 60% to 70% | 6.39% | 6.42% |
| Variable, Investor, P&I, LVR 60 to 70%LVR 60% to 70% | 6.39% | 6.42% |
| Variable, Owner occupier, Interest only, LVR 60 to 70%LVR 60% to 70% | 6.44% | 6.24% |
| Variable, Investor, Interest only, LVR 70 to 80%LVR 70% to 80% | 6.49% | 6.52% |
| Variable, Investor, P&I, LVR 70 to 80%LVR 70% to 80% | 6.49% | 6.52% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%LVR 70% to 80% | 6.54% | 6.34% |
| Variable, Owner occupier, P&I, LVR 80 to 90%LVR 80% to 90% | 6.77% | 6.80% |
| Variable, Owner occupier, Interest only, LVR 80 to 90%LVR 80% to 90% | 7.02% | 6.82% |
| Variable, Investor, Interest only, LVR 80 to 90%LVR 80% to 90% | 7.08% | 7.11% |
| Variable, Investor, P&I, LVR 80 to 90%LVR 80% to 90% | 7.08% | 7.11% |
| Variable, Owner occupier, P&I, LVR 90 to 95%LVR More than 90% | 7.19% | 7.22% |
| Variable, Owner occupier, Interest only, LVR 90 to 95%LVR More than 90% | 7.44% | 7.24% |
Rate moves, last 30 days
- 23 October 2026: Variable, Owner occupier, P&I, LVR 60 to 70% cut 0.10pp, from 6.29% to 6.19%.
- 22 October 2026: 17 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 5.89% to 6.14%.
- 22 October 2026: Variable, Owner occupier, P&I, LVR 60 to 70% lifted 0.35pp, from 5.94% to 6.29%.
Published fees
| Fee | Amount |
|---|---|
| Late Payment Notice Feewhen it happens: Applies when you fail to make your contracted repayments by the repayment due date. | $20 |
| Title Searchupfront: Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. | see lender |
| Loan Top Up Feewhen it happens: A “top up” is additional borrowing against a property that we hold an existing mortgage over. | $195 |
| Registration of Transferupfront: Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. | see lender |
| Registration of Discharge of Mortgageupfront: Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. | see lender |
| Loan Restructure Feeupfront: Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage. | $200 |
| Agency Settlement/Handing Feeupfront: Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. | see lender |
| Break Cost Feeon exit: This fee applies when you want to payout the facility early. | $0 |
| Property Valuation Costsupfront: Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. | see lender |
| PEXA Processing Feeupfront: Contain service fees charged to us, on behalf of members, by other financial institutions or organisations. | see lender |
| Discharge of Mortgage Preparationwhen it happens: Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan. | $395 |
| Approval Feeupfront: Applies when you get your loan approval for funding. | $0 |
Other Regional Australia Bank home loans
Regional Australia Bank Home Loan (Fixed Owner Occupied) 6.35%Regional Australia Bank Home Loan (Offset) 6.35%Regional Australia Bank Home Loan (Fixed Investor) 6.49%
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