Lender
Advertised rate Comparison rate* Monthly repayment Rate TypeOffsetRedrawOngoing FeeUpfront FeesLVRLump Sum RepaymentAdditional RepaymentsPre-approval

FixedMore details

Partnership Advantage Fixed Home Loan (Principal and Interest) 1 Year

FixedMore details

Partnership Advantage Fixed Home Loan (Principal and Interest) 2 Years

FixedMore details

Partnership Advantage Fixed Home Loan (Principal and Interest) 3 Years

FixedMore details

Fixed Home Loan (Principal and Interest) 2 Years

FixedMore details

Fixed Home Loan (Principal and Interest) 1 Year

FixedMore details

Partnership Advantage Fixed Investment Loan (Principal and Interest) 2 Years

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *Comparison rate is based on a loan of $150,000 over a term of 25 years. Please note the comparison rate only applies to the examples given Rates correct as of January 17, 2022.

Regional Australia Bank is a member-owned bank that is committed to helping regional Australians achieve their lifestyle goals.

With roots in regional NSW and members throughout the country, the bank has grown to be a premier banking alternative. Unlike the ‘retail’ approach many competing institutions take, the bank continues to add value to its members by recognising everyone’s circumstances are different and thereby providing personalised financial solutions.

The bank’s humble beginnings started with New England Staff Credit Union at The University of New England in 1969. Following mergers with Peel Valley Credit Union (2004), Orana Credit Union (2008) and Hunter Mutual (2010), it became New England Mutual, Orana Mutual and Hunter Mutual in the relevant geographical areas, which fell under the overarching brand of the Community Mutual Group.

In 2016, the bank finally changed its name to Regional Australia Bank to better reflect its identity and the commitment it has to the prosperity of the individuals and communities in regional Australia.

You can visit any of Regional Australia Bank’s 27 branches in NSW: Cobar, Trangie, Narromine, Dubbo, Coonabarabran, Mungindi, Merriwa, Moree, Werris Creek, Quirindi, Barraba, Manilla, Murrurundi, Denman, Tamworth, Bingara, Scone Shopping Centre, Muswellbrook, Warialda, Singleton, Inverell, Uralla, Walcha, Armidale, Guyra, Glen Innes, and Tenterfield.

Aside from these branches, you can also call the bank’s customer service centre, get in touch via email or access your account facilities through internet banking and the Regional Australia Bank mobile app.

Regional Australia Bank offers a wide range of products including home loans, personal loans, business loans, credit and debit cards, various types of accounts, and insurance products. Its flexible home loan products include basic home loan, fixed home loan, mortgage offset home loan, and a lot more.

To apply for a home loan with Regional Australia Bank, you will need to become a member first by applying at your local branch. When you visit your local branch, it is good to have a few details on hand to make the process as smooth and easy as possible, including:

  • Your personal contact details
  • Details about your current financial situation, which can include savings, assets such as property or investments, debts, and living expenses
  • Your employment and income details including recent payslips
  • Photo ID

Depending on the type of loan you apply for, you can receive approval in as little as 48 hours. But before you commit to a home loan application, it is advisable that you think thoroughly about how much you can afford to borrow based on your income and outgoings.