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Regional Australia Bank
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.Â
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Regional Australia Bank home loan repayment calculator
Your estimated mortgage repayments
at interest rate 5.00%
Total interest payable
$0
Total loan repayments
$0
Pros and cons
- 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 rates
Product | Advertised Rate 2.75% Intro 36 months | Total estimated upfront fees | Comparison Rate* 2.60% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.00% Intro 36 months | Total estimated upfront fees | Comparison Rate* 2.62% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Variable | Total estimated upfront fees | Comparison Rate* 2.80% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.04% Variable | Total estimated upfront fees | Comparison Rate* 2.82% | Ongoing fee | Go to site | Company | More details |
Advertised Rate 1.99% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 2.91% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 1.99% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 2.98% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.39% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.02% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.49% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.02% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.09% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.06% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.39% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.06% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.49% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.12% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.54% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.16% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.89% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.16% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.14% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.19% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.99% Variable | Total estimated upfront fees | Comparison Rate* 3.19% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 3.24% Variable | Total estimated upfront fees | Comparison Rate* 3.21% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.19% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.32% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.89% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.32% | Ongoing fee | Go to site | Company | More details | |
Product | Advertised Rate 3.34% Variable | Total estimated upfront fees | Comparison Rate* 3.35% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.59% Variable | Total estimated upfront fees | Comparison Rate* 3.37% | Ongoing fee | Go to site | Company | More details |
Advertised Rate 2.19% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.40% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.59% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.43% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.59% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.49% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.29% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.53% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.64% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.55% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 2.69% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.56% | Ongoing fee | Go to site | Company | More details | |
Product | Advertised Rate 2.09% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.61% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.59% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.61% | Ongoing fee | Go to site | Company | More details |
Advertised Rate 3.29% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.61% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 3.49% Variable | Total estimated upfront fees | Comparison Rate* 3.68% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 3.74% Variable | Total estimated upfront fees | Comparison Rate* 3.71% | Ongoing fee | Go to site | Company | More details | |
Product | Advertised Rate 2.49% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.73% | Ongoing fee | Go to site | Company | More details |
Advertised Rate 2.14% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.74% | Ongoing fee | Go to site | Company | More details | |
Product | Advertised Rate 2.09% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.75% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.74% Variable | Total estimated upfront fees | Comparison Rate* 3.75% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.99% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.79% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.49% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.84% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.19% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.91% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.99% Variable | Total estimated upfront fees | Comparison Rate* 3.91% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.59% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.98% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.29% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 4.02% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.24% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 4.07% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.64% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 4.10% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.99% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 4.11% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.69% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 4.13% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.29% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 4.17% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.22% Variable | Total estimated upfront fees | Comparison Rate* 4.23% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.22% Variable | Total estimated upfront fees | Comparison Rate* 4.23% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.47% Variable | Total estimated upfront fees | Comparison Rate* 4.25% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.47% Variable | Total estimated upfront fees | Comparison Rate* 4.25% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.69% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 4.26% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.39% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 4.29% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.39% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 4.36% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 4.42% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.34% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 4.53% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.74% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 4.57% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.72% Variable | Total estimated upfront fees | Comparison Rate* 4.73% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.72% Variable | Total estimated upfront fees | Comparison Rate* 4.75% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.97% Variable | Total estimated upfront fees | Comparison Rate* 4.75% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 4.88% Variable | Total estimated upfront fees | Comparison Rate* 4.89% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 5.13% Variable | Total estimated upfront fees | Comparison Rate* 4.91% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 5.22% Variable | Total estimated upfront fees | Comparison Rate* 5.25% | Ongoing fee | Go to site | Company | More details |
Advertised Rate 5.50% Variable | Total estimated upfront fees | Comparison Rate* 5.68% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 5.95% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 5.72% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 6.01% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 5.78% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 6.08% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 5.84% | Ongoing fee | Go to site | Company | More details | |
Advertised Rate 6.75% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 6.23% | Ongoing fee | Go to site | Company | More details |
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
- 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.
Learn more about Regional Australia Bank
How do I apply for a home loan pre-approval from Commonwealth Bank?
To apply for a Commbank home loan pre-approval, you can either call the bank at 13 2224 or meet one of the bank’s lending specialists. You can set up a meeting online if you wish. You’ll need to do some homework before contacting the bank, such as gathering information on the kind of properties you’d like to buy and their prices.
Preparing a financial summary, which lists all your income sources as well as significant expenses, can also help determine how much you can afford to borrow. You may also want to check your credit score before applying for pre-approval.
It’s worth remembering that a CBA home loan pre-approval doesn’t guarantee that you’ll get the loan. Once you get the pre-approval, you’ll have about three to six months to decide on a property and apply for the home loan. The bank will then confirm that the property is suitable for the loan before fully approving it.
Do the big four banks have guarantor home loans?
Yes, ANZ, Commonwealth Bank, NAB and Westpac all offer guarantor home loans. These mortgages are also offered by many other banks, credit unions and building societies.
How can I get ANZ home loan pre-approval?
Shopping for a new home is an exciting experience and getting a pre-approval on the loan may give you the peace of mind that you are looking at properties within your budget.
At the time of applying for the ANZ Bank home loan pre-approval, you will be required to provide proof of employment and income, along with records of your savings and debts.
An ANZ home loan pre-approval time frame is usually up to three months. However, being pre-approved doesn’t necessarily mean you will get your home loan. Other factors could lead to your home loan application being rejected, even with a prior pre-approval. Some factors include the property evaluation not meeting the bank’s criteria or a change in your financial circumstances.
You can make an application for ANZ home loan pre-approval online or call on 1800100641 Mon-Fri 8.00 am to 8.00 pm (AEST).
Remaining loan term