Home loan · Variable
Regional Australia Bank Home Loan (Offset)
6.53%comparison rate p.a. · 6.50% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
49th 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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.38% comparison · 6.35% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.43% comparison · 6.40% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.53% comparison · 6.50% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 7.01% comparison · 6.98% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.43% comparison · 7.40% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.40% comparison · 6.60% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.45% comparison · 6.65% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.55% comparison · 6.75% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.03% comparison · 7.23% advertised
- Variable · Interest Only · Owner-occupier · 90–95% LVR
- 7.45% comparison · 7.65% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.58% comparison · 6.55% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.63% comparison · 6.60% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.73% comparison · 6.70% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.32% comparison · 7.29% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.58% comparison · 6.55% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.63% comparison · 6.60% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.73% comparison · 6.70% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.32% comparison · 7.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $500
- Regional Australia Bank Home Loan (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 6.13 6.38 +0.25 P&I · Owner-occupier · 60–70% LVR 6.18 6.43 +0.25 P&I · Owner-occupier · 70–80% LVR 6.28 6.53 +0.25 P&I · Owner-occupier · 80–90% LVR 6.76 7.01 +0.25 P&I · Owner-occupier · 90–95% LVR 7.18 7.43 +0.25 Interest Only · Owner-occupier · ≤60% LVR 6.15 6.40 +0.25 Interest Only · Owner-occupier · 60–70% LVR 6.20 6.45 +0.25 Interest Only · Owner-occupier · 70–80% LVR 6.30 6.55 +0.25 Interest Only · Owner-occupier · 80–90% LVR 6.78 7.03 +0.25 Interest Only · Owner-occupier · 90–95% LVR 7.20 7.45 +0.25 P&I · Investor · ≤60% LVR 6.33 6.58 +0.25 P&I · Investor · 60–70% LVR 6.38 6.63 +0.25 P&I · Investor · 70–80% LVR 6.48 6.73 +0.25 P&I · Investor · 80–90% LVR 7.07 7.32 +0.25 Interest Only · Investor · ≤60% LVR 6.33 6.58 +0.25 Interest Only · Investor · 60–70% LVR 6.38 6.63 +0.25 Interest Only · Investor · 70–80% LVR 6.48 6.73 +0.25 Interest Only · Investor · 80–90% LVR 7.07 7.32 +0.25
Reduce interest charges on your variable rate home loan and pay your mortgage off sooner.
Also from Regional Australia Bank: Regional Australia Bank Home Loan Fixed 6.19% · Regional Australia Bank Home Loan (Non Offset) 6.32%
As of 2 November 2026, the Regional Australia Bank Home Loan (Offset)'s variable owner-occupier P&I variant has a comparison rate of 6.53% (6.50% advertised), ranking 49th of 93 variable owner-occupier P&I loans and sitting 0.05 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.