Interest
6.04%p.a.
Comparison*
6.07%p.a.
Est. repayment
$3,011
LVR 70 to 80%
Regional Australia Bank Home Loan Rates
Tracked products
29
Lowest variable
6.04%
Lowest fixed
6.09%
Lowest comparison
6.07%
Last updated
8 Sept 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 are Regional Australia Bank home loan rates?
Regional Australia Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.04% p.a. and the lowest fixed rate currently 6.09% p.a., last verified 8 Sept 2026. Compare Regional Australia Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Regional Australia Bank home loan rate?
The lowest Regional Australia Bank variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.09% p.a. These figures come from the 28 Regional Australia Bank products on this page that pass data-quality checks, ranked by comparison rate, last verified 8 Sept 2026.
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 products sit at the top.
Illawarra and South Coast mutual Horizon Bank is another regional New South Wales customer-owned bank worth comparing.
Buying an investment property in regional New South Wales? See the NSW investor home loan rates hub for the wider panel before comparing Regional Australia Bank's pricing above.
Regional Australia Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.04% p.a. | 6.07% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.09% p.a. | 6.08% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.20% p.a. | 6.08% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.22% p.a. | 6.10% p.a. | 95% |
| Fixed 3-year Investor interest-only | 6.24% p.a. | 6.27% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.24% p.a. | 6.27% p.a. | 90% |
| Variable Investor interest-only | 6.24% p.a. | 6.27% p.a. | 90% |
| Variable Investor P&I | 6.24% p.a. | 6.27% p.a. | 90% |
| Variable Owner-occupier P&I | 6.25% p.a. | 6.28% p.a. | 95% |
| Variable Owner-occupier interest-only | 6.29% p.a. | 6.09% p.a. | n/a |
| Fixed 3-year Owner-occupier interest-only | 6.34% p.a. | 6.15% p.a. | 95% |
| Fixed 1-year Investor interest-only | 6.39% p.a. | 6.28% p.a. | 90% |
28 of 29 tracked Regional Australia Bank home loan products
Interest
6.09%p.a.
Comparison*
6.08%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Interest
6.20%p.a.
Comparison*
6.08%p.a.
Est. repayment
$3,062
LVR 70 to 80%
Interest
6.22%p.a.
Comparison*
6.10%p.a.
Est. repayment
$3,069
LVR 70 to 80%
Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR 70 to 80%
Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR 70 to 80%
Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR 70 to 80%
Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR 70 to 80%
Interest
6.25%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,079
LVR 70 to 80%
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR 70 to 80%
Interest
6.34%p.a.
Comparison*
6.15%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.42%p.a.
Comparison*
6.30%p.a.
Est. repayment
$3,134
LVR 70 to 80%
Interest
6.42%p.a.
Comparison*
6.30%p.a.
Est. repayment
$3,134
LVR 70 to 80%
Interest
6.45%p.a.
Comparison*
6.11%p.a.
Est. repayment
$3,144
LVR 70 to 80%
Interest
6.47%p.a.
Comparison*
6.15%p.a.
Est. repayment
$3,150
LVR 70 to 80%
Interest
6.45%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,144
LVR 70 to 80%
Interest
6.45%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,144
LVR 70 to 80%
Interest
6.50%p.a.
Comparison*
Not available
Est. repayment
$3,160
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.25%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.67%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,216
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.92%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,300
LVR 70 to 80%
Interest
6.92%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,300
LVR 70 to 80%
Interest
6.92%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,300
LVR 70 to 80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Regional Australia Bank home loan repayment calculator
Pre-filled with Regional Australia Bank's lowest advertised variable rate in the table above, 6.04% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Regional Australia Bank's lowest variable today: 6.04%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,011
Fortnightly repayment
$1,390
Total interest
$583,824
30 years at 6.04% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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.
Border-region mutual Hume Bank is another New South Wales customer-owned lender worth comparing alongside Regional Australia Bank above.
Background facts checked 4 September 2026. Rates above refresh independently.
Regional Australia Bank home loans: frequently asked questions
What are Regional Australia Bank home loan rates?
Regional Australia Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.04% p.a., and the lowest fixed rate is 6.09% p.a., last verified 8 Sept 2026. Compare Regional Australia Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Regional Australia Bank balance, use /calculators/extra-repayment.
What is the lowest Regional Australia Bank home loan rate?
Regional Australia Bank's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.09% p.a., based on the 28 Regional Australia Bank products Ratesniffers ranks by comparison rate, last verified 8 Sept 2026. The advertised rate isn't always the rate Regional Australia Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Regional Australia Bank home loan?
At Regional Australia Bank's lowest variable rate of 6.04% p.a., a $600,000 principal and interest loan over 30 years repays about $3,613 a month, and $500,000 about $3,011. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Regional Australia Bank home loan?
There is no single salary. Like every Australian lender, Regional Australia Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.04% p.a. is assessed at about 9.04% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Regional Australia Bank's home loan rate compare to the market?
Regional Australia Bank's lowest variable home loan rate today is 6.04% p.a., which is 20 basis points below the market median of 6.24% 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 6.07% 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 8 Sept 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.