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Regional Australia Bank · Home loans
Regional Australia Bank Home Loan (Offset)
Regional Australia Bank Home Loan (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 6.10% to 6.35%.
Advertised rate
6.35%
headline tier
Comparison rate
6.38%
as published
Last moved
+0.25pp
22 October 2026
Advertised rate, last 30 days. Between 6.10% and 6.35% over the last 30 days.
Every current rate (18)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%LVR 60% or less | 6.35% | 6.38% |
| Variable, Owner occupier, P&I, LVR 60 to 70%LVR 60% to 70% | 6.40% | 6.43% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR 70% to 80% | 6.50% | 6.53% |
| Variable, Investor, Interest only, LVR up to 60%LVR Less than 60% | 6.55% | 6.58% |
| Variable, Investor, P&I, LVR up to 60%LVR Less than 60% | 6.55% | 6.58% |
| Variable, Owner occupier, Interest only, LVR up to 60%LVR less than 60% | 6.60% | 6.40% |
| Variable, Investor, P&I, LVR 60 to 70%LVR 60% to 70% | 6.60% | 6.63% |
| Variable, Investor, Interest only, LVR 60 to 70%LVR 60% to 70% | 6.60% | 6.63% |
| Variable, Owner occupier, Interest only, LVR 60 to 70%LVR 60% to 70% | 6.65% | 6.45% |
| Variable, Investor, Interest only, LVR 70 to 80%LVR 70% to 80% | 6.70% | 6.73% |
| Variable, Investor, P&I, LVR 70 to 80%LVR 70% to 80% | 6.70% | 6.73% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%LVR 70% to 80% | 6.75% | 6.55% |
| Variable, Owner occupier, P&I, LVR 80 to 90%LVR 80% to 90% | 6.98% | 7.01% |
| Variable, Owner occupier, Interest only, LVR 80 to 90%LVR 80% to 90% | 7.23% | 7.03% |
| Variable, Investor, Interest only, LVR 80 to 90%LVR 80% to 90% | 7.29% | 7.32% |
| Variable, Investor, P&I, LVR 80 to 90%LVR 80% to 90% | 7.29% | 7.32% |
| Variable, Owner occupier, P&I, LVR 90 to 95%LVR More than 90% | 7.40% | 7.43% |
| Variable, Owner occupier, Interest only, LVR 90 to 95%LVR More than 90% | 7.65% | 7.45% |
Rate moves, last 30 days
- 22 October 2026: 18 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 6.10% to 6.35%.
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 (Non Offset) 6.14%Regional Australia Bank Home Loan (Fixed Owner Occupied) 6.35%Regional Australia Bank Home Loan (Fixed Investor) 6.49%
Get an email the morning Regional Australia Bank moves this rate.
Every Regional Australia Bank rate · every home loan rate compared · other lenders · this product in the explorer.