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  Basic Home Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 7.20%, Comparison Rate 6.84%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.03%, Comparison Rate 6.77%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.25%, Comparison Rate 6.94%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.60%, Comparison Rate 6.59%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.44%, Comparison Rate 7.24%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.19%, Comparison Rate 7.22%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.84%, Comparison Rate 7.64%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.18%, Comparison Rate 6.95%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.59%, Comparison Rate 7.62%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.33%, Comparison Rate 6.92%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Introductory
• Interest Rate: 6.14%, Comparison Rate 6.57%
• Repayment Type:
• Loan Purpose: Owner Occupied

 Product Features

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

• Complementary Product Discounts Additional Information: Take advantage of a lower purchase rate on the Your Choice Credit Card when you have this product.

• Redraw Additional Information: Available while on a variable rate. Minimum redraw amount is $500.

 Product Eligibility

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

• 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.

• 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.

 Bank Fees and Charges

• 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.

• Temporary Overdraft Approval Fee (Event), Amount: 90.00. Additional Information: Where we allow you to draw on a temporary overdraft to assist with mortgage related costs this fee will apply.

• 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 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.

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

• 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.

• 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.

• Mortgage Documentation Preparation (Variable), Amount: 250.00. Additional Information: Applies when we are required to prepare mortgage documentation relating to a property offered 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.

• 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.

• 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.

• 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.

• 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.

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

• 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.

• 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.

 Limitations & Restrictions (Constraints)

• Min Balance of 100000.00 Additional Information:  The Basic Home Loan is only available for owner occupied or residential investment borrowings with over $100,000 of new lending.