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Regional Australia Bank home loans

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.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Regional Australia Bank


  • Package deals available to bundle other financial products.
  • Suitable for low deposits.
  • Range of home loans to choose from.
  • Flexible repayment schedule with weekly, fortnightly or monthly repayment options.
  • Parents can act as guarantors.


  • Some products include numerous fees.
  • Lack of branches.
  • Limited offset availability.

Regional Australia Bank Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Regional Australia Bank customer service

Home loan customers can contact Regional Australia Bank by visiting one of the 25 plus branches located in New South Wales. Customers further a field can call Regional Australia Bank’s customer service centre for assistance on a range of topics including funds transfers and home loan applications. Customers can also get in touch via email or alternatively they can access their account facilities 24-hours a day through internet banking and the Regional Australia Bank mobile app. Customers can access their funds Australia-wide through Westpac’s network of over 3000 ATMs. 

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

How to Apply

Regional Australia Bank home loan applications can be made online via the company website, or by calling the customer service support centre. Depending on the type of loan customers apply for, approval can be received in as little as 48-hours. Before Regional Australia Bank customers commit to a home loan application it is advisable they think about how much they can afford to borrow based on their income and outgoings. To aid their application, home loan customers will be required to provide supporting documents that may include:

  • Personal identification.
  • Personal income details.
  • Details of current debts and assets.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.