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Regional Australia Bank Home Loan Rates

Active products
29
Lowest variable
5.99%
Lowest fixed
6.20%
Lowest comparison
6.02%
Last updated
26 July 2026

Regional Australia Bank is one of the Australian home-loan lenders we track daily. We currently surface 29 active products from Regional Australia Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest Regional Australia Bank home loan rate?

The lowest Regional Australia Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.20% p.a. These figures come from the 28 Regional Australia Bank products on this page, ranked by comparison rate, last verified 26 July 2026.

How many home loan products does Regional Australia Bank offer?

Ratesniffers currently tracks 28 Regional Australia Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

Regional Australia Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I5.99% p.a.6.02% p.a.95%
Variable Owner-occupier P&I5.99% p.a.6.02% p.a.95%
Fixed 1-year Owner-occupier P&I6.20% p.a.6.13% p.a.95%
Fixed 2-year Owner-occupier P&I6.22% p.a.6.14% p.a.95%
Fixed 3-year Owner-occupier P&I6.22% p.a.6.15% p.a.95%
Variable Investor interest-only6.29% p.a.6.32% p.a.90%
Variable Investor P&I6.29% p.a.6.32% p.a.90%
Variable Owner-occupier interest-only6.34% p.a.6.14% p.a.100%
Fixed 1-year Investor interest-only6.39% p.a.6.33% p.a.90%
Fixed 1-year Investor P&I6.39% p.a.6.33% p.a.90%
Fixed 3-year Investor interest-only6.42% p.a.6.35% p.a.90%
Fixed 2-year Investor interest-only6.42% p.a.6.34% p.a.90%

28 Regional Australia Bank home loan products

Negotiate Regional Australia Bank rates with a broker

Advertised rates aren't always the rate Regional Australia Bank actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is Regional Australia Bank?

Regional Australia Bank is an Armidale-headquartered mutual that started in 1969 as the staff credit union of the University of New England, taking its current name in 2016. Its footprint centres on regional New South Wales.

It is customer-owned, with a stated mission around keeping banking and its profits in regional communities.

Who suits a Regional Australia Bank home loan?

Regional Australia Bank tends to suit New England and regional NSW borrowers who want a local mutual with branch presence, and country buyers who prefer a lender comfortable with regional property. Compare its comparison rate against the national leaders in the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Regional Australia Bank home loans: frequently asked questions

What is the lowest Regional Australia Bank home loan rate?

Regional Australia Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.20% p.a., based on the 28 Regional Australia Bank products Ratesniffers ranks by comparison rate, last verified 26 July 2026. The advertised rate isn't always the rate Regional Australia Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does Regional Australia Bank's home loan rate compare to the market?

Regional Australia Bank's lowest variable home loan rate today is 5.99% p.a., which is 10 basis points below the market median of 6.09% p.a., which puts Regional Australia Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Regional Australia Bank sits right now rather than a fixed snapshot.

How many home loan products does Regional Australia Bank offer?

Ratesniffers currently tracks 29 Regional Australia Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 28 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Regional Australia Bank competitive for refinancing?

It depends on your loan size and LVR. Regional Australia Bank's lowest comparison rate is currently 6.02% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Regional Australia Bank against the sharpest available rate usually pays off.

How often are Regional Australia Bank's home loan rates updated?

Ratesniffers last verified Regional Australia Bank's home loan rates on 26 July 2026. Rates can change whenever Regional Australia Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

Regional Australia Bank rates by borrower and loan type

The same Regional Australia Bank panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Other lenders you might compare

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Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.