Support for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
Following the Reserve Bank of Australia's (RBA) decision, we're increasing our variable home loan interest rates by 0.25% p.a., effective 7th April 2026.
Enviro Loan
Get rewarded for making green purchases and improvements to your home with a low interest rate, great features and no monthly service fees or charges.
Variable Interest Rate
7.20% p.a
4
Comparison Rate
8.54% p.a
5
Features
| Interest type | Variable |
| Repayment options | Principal & Interest |
| Security type | Secured or Unsecured |
| Minimum amount | $500 |
| Maximum term | 5 years |
| Advance payments | Yes |
| Redraw | Yes 6 |
| Repayment frequency | Weekly, Fortnightly or Monthly |
| Variable Interest Rate | 7.20% p.a4 |
| Comparison Rate | 8.54% p.a5 |
Fees
| Monthly service fee | None |
| Approval fee | $195 |
| PPSR check fee (if required) | $26 |
Speak to us about your Personal Loan
Do you have personal loan questions or want to speak to someone first before starting your application? Complete this short form with as much information as you can and get the answers from a Regional Australia Bank Personal Loan expert.
Account management and support
For help with managing your account, including online access, and other features, contact our support team.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Lost or stolen card
If your card has gone missing, or it’s been stolen, you should immediately block it and request a replacement.
Disclaimers
1
Where Visa is accepted.
2
Fees and charges apply. Terms and conditions apply and are available on request. Please refer to our
Fees and Charges documents
for further details.
No withdrawal fees at Regional Australia Bank ATMs. Transactions at other financial institution ATMs may incur a fee. For Overseas ATM Withdrawals and Enquiries, ATM Owner fees may also be incurred.
3
A Optional Issuer Fee applies to purchases in foreign currency, AUD payments processed outside Australia, and transactions involving currency conversion.
4
Interest rates are on a per annum basis and are current as of today's date and are subject to change. Please note that the interest rate effective at the end of each month applies to the whole month.
5
The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 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.
6
Minimum redraw amount is $200.