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Regional Australia Bank · Home loan · Variable
LiveRegional Australia Bank Home Loan (Offset)
As of 18 September 2026, the Regional Australia Bank Regional Australia Bank Home Loan (Offset)'s variable owner-occupier P&I variant has a comparison rate of 6.28% (6.25% advertised), ranking 34th of 107 variable owner-occupier P&I loans and sitting 0.48 points below the market average of 6.76%. The product comes in 18 variants; the others are investor, interest-only and other LVR bands.
6.28%comparison rate p.a.
6.25% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
17 other variants: investor, interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Regional Australia Bank Home Loan (Offset) · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.13% comparison · 6.10% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.18% comparison · 6.15% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.28% comparison · 6.25% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.76% comparison · 6.73% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.18% comparison · 7.15% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.15% comparison · 6.35% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.20% comparison · 6.40% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.30% comparison · 6.50% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 6.78% comparison · 6.98% advertised
- Variable · Interest Only · Owner-occupier · 90–95% LVR
- 7.20% comparison · 7.40% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.33% comparison · 6.30% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.38% comparison · 6.35% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.48% comparison · 6.45% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.07% comparison · 7.04% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.33% comparison · 6.30% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.38% comparison · 6.35% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.48% comparison · 6.45% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.07% comparison · 7.04% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $500
About this product
Reduce interest charges on your variable rate home loan and pay your mortgage off sooner.