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  Fixed Rate Home Loan (Principal & Interest)

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 7.03%, Comparison Rate 7.38%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.37%, Comparison Rate 6.52%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.20%, Comparison Rate 7.38%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.89%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.29%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.25%, Comparison Rate 7.36%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.51%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.56%, Comparison Rate 6.71%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.50%, Comparison Rate 6.72%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.33%, Comparison Rate 7.40%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.18%, Comparison Rate 7.32%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.35%, Comparison Rate 6.44%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.37%, Comparison Rate 6.57%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.07%, Comparison Rate 7.24%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.72%, Comparison Rate 6.88%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.36%, Comparison Rate 6.45%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.57%, Comparison Rate 6.69%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.63%, Comparison Rate 6.89%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.30%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.27%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.70%, Comparison Rate 6.86%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.61%, Comparison Rate 6.87%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.37%, Comparison Rate 6.46%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.35%, Comparison Rate 6.46%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.13%, Comparison Rate 7.31%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.11%, Comparison Rate 7.22%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 6.82%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.55%, Comparison Rate 6.75%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.93%, Comparison Rate 7.05%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.34%, Comparison Rate 6.53%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.89%, Comparison Rate 7.02%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.72%, Comparison Rate 6.84%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.98%, Comparison Rate 7.07%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.31%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.76%, Comparison Rate 6.86%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.18%, Comparison Rate 7.26%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.32%, Comparison Rate 6.47%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.06%, Comparison Rate 7.19%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.28%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.38%, Comparison Rate 6.50%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.78%, Comparison Rate 7.07%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.90%, Comparison Rate 7.07%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.74%, Comparison Rate 6.86%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.72%, Comparison Rate 6.84%
• Repayment Type:
• Loan Purpose: Investment

 Product Features

• Other Additional Information: No Approval, Monthly or Annual Fees.

• Other Additional Information: Ability to split your loan is available with this product.

• Other Additional Information: 3% Discount on Your Choice Credit Card

• Other Additional Information: Weekly, Fortnightly or Monthly repayments available.

• Other Additional Information: Available for Owner Occupiers and Investors

• Other Additional Information: A fixed interest rate provides you with certainty over your future repayments during the fixed period.

 Product Eligibility

• Other Additional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.

• Residency Status - Australian Resident. Additional Information: Individuals must be citizens or permanent residents of Australia.

• Min Age - 16. Additional Information: Borrowers must be aged 16 or older to apply. Applicants under 18 years of age, but over 16 years, may only enter into a loan contract with an adult as co-applicant or guarantor.

• Other Additional Information: Borrowers must demonstrate at least 6 months continuing employment history at the time of application.

• Other Additional Information: As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.

 Bank Fees and Charges

• Loan Restructure Fee (Upfront), Amount: 200.00. Additional Information: Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage.

• Registration Of Transfer (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to register a transfer of land relating to a property held as security for your loan.

• Owner Builder Loan Approval Fee (Upfront), Amount: 500.00. Additional Information: Applied on approval of your Owner Builder Facility loan, prior to the initial drawdown.

• Loan Top Up Fee (Event), Amount: 195.00. Additional Information: Applies on approval of an additional borrowing against a property that we hold an existing mortgage over.

• Registration Of Mortgage (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to register a mortgage relating to a property offered as security for your loan.

• Registration Of Discharge Of Mortgage (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan.

• Default Notice Fee (Event), Amount: 30.00. Additional Information: Applies when you fail to make your contracted repayments and we are required to issue a default notice to you.

• Mortgage Documentation Preparation (Event), Amount: 250.00. Additional Information: Applies when we are required to prepare mortgage documentation relating to a property offered as security for your loan.

• Late Payment Notice Fee (Event), Amount: 20.00. Additional Information: Applies when you fail to make your contracted repayments by the repayment due date.

• Property Valuation Costs (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to value each property offered or held as security at the commencement of your loan, and when required throughout the life of your loan.

• Discharge Of Mortgage Preparation (Event), Amount: 250.00. Additional Information: Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan.

• Agency Settlement/handing Fee (Variable), Amount: Not Listed.. Additional Information: Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan.

• Pexa Processing Fee (Variable), Amount: Not Listed.. Additional Information: Applies when we process a settlement relating to your loan through PEXA.

• Fixed Rate Break Cost (Variable), Amount: Not Listed.. Additional Information: You may have to pay this if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. This is calculated specifically related to the individual event.

• Replacement Certificate Of Title (Variable), Amount: Not Listed.. Additional Information: Applies when you request a replacement certificate of title relating to mortgaged property that is held as security for your loan.

• Title Search (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to perform a title search relating to a property offered, or held, as security for your loan.

 Limitations & Restrictions (Constraints)

• Opening Balance of 500.00 Additional Information: The minimum loan amount for this product is $500.