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  4. Regional Australia Bank
Regional Australia Bank

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.

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Content updated
Product data updated22 Oct, 2023

Important disclosure

Why choose Regional Australia Bank

Benefits

  • 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.

Drawbacks

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

Regional Australia Bank Home Loans

Loan amount

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Compare
Company
Product
Standard Variable Loan
Real Time Rating™
Features
Investor
5% min deposit
P&I
Offset Account
Australian Credit Licence 241167
Interest Rate
Comparison Rate*
Repayment

8.32%

p.a

Variable

8.35%

p.a

$2,776

monthly

Go to site
Australian Credit Licence 241167
Compare
Company
Product
Partnership Advantage Home Loan
Real Time Rating™
Features
Investor
5% min deposit
P&I
Offset Account
Australian Credit Licence 241167
Interest Rate
Comparison Rate*
Repayment

6.49%

p.a

Variable

6.84%

p.a

$2,361

monthly

Go to site
Australian Credit Licence 241167
Compare
Company
Product
Basic Home Loan
Real Time Rating™
Features
Investor
5% min deposit
P&I
Extra repayments
Australian Credit Licence 241167
Interest Rate
Comparison Rate*
Repayment

7.34%

p.a

Variable

7.37%

p.a

$2,550

monthly

Go to site
Australian Credit Licence 241167
Compare
Company
Product
Basic Home Loan
Real Time Rating™
Features
Owner Occupied
5% min deposit
P&I
Extra repayments
Australian Credit Licence 241167
Interest Rate
Comparison Rate*
Repayment

5.49%

p.a

Intro 36 months

5.98%

p.a

$2,147

monthly

Go to site
Australian Credit Licence 241167
Compare
Company
Product
Basic Home Loan
Real Time Rating™
Features
Owner Occupied
5% min deposit
P&I
Australian Credit Licence 241167
Interest Rate
Comparison Rate*
Repayment

5.79%

p.a

Fixed - 3 years

6.07%

p.a

$2,210

monthly

Go to site
Australian Credit Licence 241167

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at interest rate 5.69%

Total interest payable

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Total loan repayments

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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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