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Mortgage Offset Home Loan

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • 100% full offset account
  • Suitable for low deposits
  • Parents can sign as guarantor
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$495,360View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$400
Application fee
Application fee$0
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$150
Legal fee
Legal fee
$250
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$150
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$495,360View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$400
Application fee
Application fee$0
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$150
Legal fee
Legal fee
$250
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$150

Regional Australia Bank is the name of three New South Wales credit union brands that combined to form Australia’s largest inland credit union. The Regional Australia Bank, formerly Community Mutual Group, dates back to 1970 and is now responsible for managing assets worth just under $1 billion.

As a credit union, the Regional Australia Bank can reinvest its profits in the business passing benefits that include competitive rates directly to its 700,000 plus membership base. Regional Australia Bank offers a range of every day banking products in addition to insurance, credit cards and home loans.

In 2013 Regional Australia Bank won Money Magazine’s Socially Responsible Mutual of the Year Award.

Regional Australia Bank Home Loan Calculator
Interested in an Regional Australia Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Regional Australia Bank compares to its competitors. Simply plug in your borrowing amount below. 

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