Important disclosure

Regional Australia Bank

Sustainable Home Loan

  • Owner Occupied
  • Variable
  • 5% min deposit
  • P&I
Interest Rate

6.64%

p.a

Comparison Rate*

6.67%

p.a

Real Time Rating™
Tags
  • Owner Occupied
  • Variable
  • 5% min deposit
  • P&I
Interest Rate

6.64%

p.a

Comparison Rate*

6.67%

p.a

ly Repayment

$0

based on $500,000 loan amount for 25 years at 6.64%

Sustainable Home Loan

Find your ideal home loan from one of the 2 home loans from Regional Australia Bank

Principal and Interest (P&I)

Loan typeLoan to value ratio
Interest rate
Comparison rate
Variable
Up to 95%

6.64% p.a.

6.67% p.a.

Product Info

Interest only

Loan typeLoan to value ratio
Interest rate
Comparison rate
Variable
Up to 95%

6.89% p.a.

6.69% p.a.

Product Info

Regional Australia Bank Variable Rate Home loan overview

For Sustainable Home Loan (Principal and Interest)

Details

Maximum LVR

95%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Repayment type

Principal and Interest

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Repayment options

Fortnightly, Monthly, Weekly

Target Market Determination

Visit Regional Australia Bank to view Target Market Determination.

Features

Extra repayments

Unlimited

Redraw facility

Redraw fee: $0

Split interest facility

Loan portability

Repayment holiday available

Allow guarantors

Available for first home buyers

Other benefits

Fees

Total estimated upfront fees

$250

Application fee

$0

Valuation fee

$0

Settlement fee

$0

Other upfront fee

$0

Ongoing fee

$0

Discharge fee

$250

Other Restrictions

Property must include types of sustainable measures ( e.g. solar panels, window glazing, etc.) from lists defined by Regional Australia Bank

Pros and cons

For Sustainable Home Loan (Principal and Interest)

Benefits

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • 100% full offset account
  • Suitable for low deposits
  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Free redraw facility
  • Green home loan
  • Split account option

Drawbacks

  • Higher than average upfront fee
  • Discharge fee at end of loan
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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $500 to $5,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 95 percent, which means it requires a minimum deposit of 5 percent

What's the maximum length for this loan?

Regional Australia Bank allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

Regional Australia Bank allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $250 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Where can you apply for this loan?

Regional Australia Bank makes it possible to apply for this product online. Apply here.