Home loan · Variable
Regional Australia Bank Home Loan (Non Offset)
6.32%comparison rate p.a. · 6.29% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
17th of 93 variable owner-occupier P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.17% comparison · 6.14% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.22% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.32% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.80% comparison · 6.77% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.22% comparison · 7.19% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.19% comparison · 6.39% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.24% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.34% comparison · 6.54% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 6.82% comparison · 7.02% advertised
- Variable · Interest Only · Owner-occupier · 90–95% LVR
- 7.24% comparison · 7.44% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.37% comparison · 6.34% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.42% comparison · 6.39% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.52% comparison · 6.49% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.11% comparison · 7.08% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.37% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.42% comparison · 6.39% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.52% comparison · 6.49% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.11% comparison · 7.08% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $500
- Regional Australia Bank Home Loan (Non Offset) · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20261 change
- 23Fri
- 18 variants up 0.2523 days after the RBA rise to 4.60%+0.25All Variable
P&I · Owner-occupier · ≤60% LVR 5.92 6.17 +0.25 P&I · Owner-occupier · 60–70% LVR 5.97 6.22 +0.25 P&I · Owner-occupier · 70–80% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 80–90% LVR 6.55 6.80 +0.25 P&I · Owner-occupier · 90–95% LVR 6.97 7.22 +0.25 Interest Only · Owner-occupier · ≤60% LVR 5.94 6.19 +0.25 Interest Only · Owner-occupier · 60–70% LVR 5.99 6.24 +0.25 Interest Only · Owner-occupier · 70–80% LVR 6.09 6.34 +0.25 Interest Only · Owner-occupier · 80–90% LVR 6.57 6.82 +0.25 Interest Only · Owner-occupier · 90–95% LVR 6.99 7.24 +0.25 P&I · Investor · ≤60% LVR 6.12 6.37 +0.25 P&I · Investor · 60–70% LVR 6.17 6.42 +0.25 P&I · Investor · 70–80% LVR 6.27 6.52 +0.25 P&I · Investor · 80–90% LVR 6.86 7.11 +0.25 Interest Only · Investor · ≤60% LVR 6.12 6.37 +0.25 Interest Only · Investor · 60–70% LVR 6.17 6.42 +0.25 Interest Only · Investor · 70–80% LVR 6.27 6.52 +0.25 Interest Only · Investor · 80–90% LVR 6.86 7.11 +0.25
Reduce interest charges on your variable rate home loan by having a redraw facility.
Also from Regional Australia Bank: Regional Australia Bank Home Loan Fixed 6.19% · Regional Australia Bank Home Loan (Offset) 6.53%
As of 2 November 2026, the Regional Australia Bank Home Loan (Non Offset) 's variable owner-occupier P&I variant has a comparison rate of 6.32% (6.29% advertised), ranking 17th of 93 variable owner-occupier P&I loans and sitting 0.26 points below the market average of 6.58%. The product comes in 18 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 23 October 2026, 23 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.