Home loan rates › Regional Australia Bank
Regional Australia Bank Home Loan (Fixed Investor)
Regional Australia Bank
CDR official
Our fixed-rate home loan is a great option if you'd prefer to lock in your home loan repayments and stay on top of your budgeting.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.49% | 6.38% | Fixed · 1 year · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.43% | Fixed · 1 year · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.54% | 6.52% | Fixed · 1 year · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.09% | 7.11% | Fixed · 1 year · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.51% | 6.40% | Fixed · 2 years · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.57% | 6.45% | Fixed · 2 years · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.57% | 6.53% | Fixed · 2 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.12% | 7.12% | Fixed · 2 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.51% | 6.42% | Fixed · 3 years · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.57% | 6.47% | Fixed · 3 years · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.57% | 6.54% | Fixed · 3 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.12% | 7.12% | Fixed · 3 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.53% | Fixed · 4 years · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.61% | Fixed · 4 years · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.94% | 6.68% | Fixed · 4 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 7.24% | Fixed · 4 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 6.62% | Fixed · 5 years · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.72% | Fixed · 5 years · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.09% | 6.77% | Fixed · 5 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.51% | 7.30% | Fixed · 5 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.49% | 6.38% | Fixed · 1 year · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.43% | Fixed · 1 year · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.54% | 6.52% | Fixed · 1 year · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.09% | 7.11% | Fixed · 1 year · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.51% | 6.40% | Fixed · 2 years · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.57% | 6.45% | Fixed · 2 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.57% | 6.53% | Fixed · 2 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.12% | 7.12% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.51% | 6.42% | Fixed · 3 years · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.57% | 6.47% | Fixed · 3 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.57% | 6.54% | Fixed · 3 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.12% | 7.12% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.54% | Fixed · 4 years · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.62% | Fixed · 4 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.94% | 6.68% | Fixed · 4 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 7.24% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 6.63% | Fixed · 5 years · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.73% | Fixed · 5 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.09% | 6.78% | Fixed · 5 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.51% | 7.30% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/bc944d2a-80d9-4f81-bbd5-aed6f87caa8c- Content hash
sha256 7b11aeeea950a3cf3c005e4ba0ffa85a5d90d1179da91d4cb182316949e7cbc3- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7b11aeeea950a3cf_d852a3b3Show details
- Checked
- 1 Nov 2026
- URL
https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/bc944d2a-80d9-4f81-bbd5-aed6f87caa8c- Content hash
sha256 7b11aeeea950a3cf3c005e4ba0ffa85a5d90d1179da91d4cb182316949e7cbc3- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Late Payment Notice Fee | Event | $20.00 |
| Title Search | Upfront | Set in your letter of offer |
| Loan Top Up Fee | Event | $195.00 |
| Registration of Transfer | Upfront | Set in your letter of offer |
| Registration of Discharge of Mortgage | Upfront | Set in your letter of offer |
| Loan Restructure Fee | Upfront | $200.00 |
| Agency Settlement/Handing Fee | Upfront | Set in your letter of offer |
| Break Cost Fee | Exit | $0.00 |
| Property Valuation Costs | Upfront | Set in your letter of offer |
| PEXA Processing Fee | Upfront | Set in your letter of offer |
| Discharge of Mortgage Preparation | Event | $395.00 |
| Approval Fee | Upfront | $0.00 |
| Settlement Fee | Upfront | $225.00 |
| Annual Fee | Periodic | $0.00 |
| Monthly Service Fee | Periodic | $0.00 |
| Registration of Mortgage | Upfront | Set in your letter of offer |
| Default Notice Fee | Event | $30.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Relationship management | Dedicated Relationship Manager | |
| Other | Ability to split your loan is available with this product | |
| Other | No Approval, Monthly or Annual Fees. | |
| Other | A fixed interest rate provides you with certainty over your future repayments during the fixed period. | |
| Other | Weekly, Fortnightly or Monthly repayments available. | |
| Guarantor | A Guarantor can be nominated to the loan during the origination process | |
| Eligibility: other | Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply. | |
| Eligibility: residency status | Australian Resident | Individuals must be citizens or permanent residents of Australia. |
| Eligibility: other | As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account. | |
| Eligibility: other | Minimum Deposit of 5% is required (with Lenders Mortgage Insurance) | |
| Eligibility: min age | 18 | Borrowers must be aged 16 or older to apply. Applicants under 18 years of age, but over 16 years, may only enter into a loan contract with an adult as co-applicant or guarantor. |
| Limit: max lvr | 0.90 | |
| Limit: min limit | 500.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.49% | 6.38% |
| Fixed · 5 years · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.94% | 6.62% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.12% | 7.12% |
| Fixed · 3 years · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.51% | 6.42% |
| Fixed · 4 years · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.79% | 6.53% |
| Fixed · 3 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.57% | 6.54% |
| Fixed · 4 years · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.79% | 6.54% |
| Fixed · 1 year · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.49% | 6.38% |
| Fixed · 2 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.57% | 6.45% |
| Fixed · 2 years · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.51% | 6.40% |
| Fixed · 1 year · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.43% |
| Fixed · 1 year · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.11% |
| Fixed · 4 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.94% | 6.62% |
| Fixed · 3 years · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.57% | 6.47% |
| Fixed · 5 years · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.09% | 6.72% |
| Fixed · 1 year · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.43% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.44% | 7.24% |
| Fixed · 5 years · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.94% | 6.63% |
| Fixed · 2 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.57% | 6.53% |
| Fixed · 2 years · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.57% | 6.45% |
| Fixed · 4 years · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.94% | 6.61% |
| Fixed · 1 year · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.52% |
| Fixed · 2 years · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.51% | 6.40% |
| Fixed · 3 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.57% | 6.54% |
| Fixed · 2 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.57% | 6.53% |
| Fixed · 5 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.09% | 6.73% |
| Fixed · 2 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.12% | 7.12% |
| Fixed · 5 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.51% | 7.30% |
| Fixed · 4 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.68% |
| Fixed · 4 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.44% | 7.24% |
| Fixed · 5 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 6.78% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.12% | 7.12% |
| Fixed · 3 years · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.51% | 6.42% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.11% |
| Fixed · 3 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.12% | 7.12% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.51% | 7.30% |
| Fixed · 5 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 6.77% |
| Fixed · 3 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.57% | 6.47% |
| Fixed · 1 year · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.52% |
| Fixed · 4 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.68% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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