Partnership Advantage Home Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 6.61%, Comparison Rate 6.73%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.86%, Comparison Rate 7.21%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.68%, Comparison Rate 7.58%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.70%, Comparison Rate 7.29%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.58%, Comparison Rate 7.05%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.43%, Comparison Rate 7.16%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.96%, Comparison Rate 7.42%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.03%, Comparison Rate 6.78%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.25%, Comparison Rate 7.04%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.45%, Comparison Rate 7.27%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.93%, Comparison Rate 7.66%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.71%, Comparison Rate 7.38%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.20%, Comparison Rate 6.88%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.78%, Comparison Rate 7.56%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.45%, Comparison Rate 6.92%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.28%, Comparison Rate 6.80%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.11%, Comparison Rate 7.23%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 8.15%, Comparison Rate 7.57%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.50%, Comparison Rate 7.11%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.36%, Comparison Rate 6.71%
• Repayment Type:
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.90%, Comparison Rate 7.51%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 8.03%, Comparison Rate 7.63%
• Repayment Type:
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.33%, Comparison Rate 7.05%
• Repayment Type:
• Loan Purpose: Owner Occupied

 Product Features

• Offset Additional Information: Up to 8 100% Offset accounts per variable loan account

• Redraw Additional Information: Minimum redraw amount is $500. (Variable loans only)

• Complementary Product Discounts Additional Information: $40 Annual Fee waived on 'Your Choice Visa Credit Card'

• Complementary Product Discounts Additional Information: $195 Annual Fee waived on 'Visa Platinum Rewards Credit Card'

• Other Additional Information: Weekly, Fortnightly or Monthly repayments

• Other Additional Information: split loans allowed

• Complementary Product Discounts Additional Information: 3% Discount on the purchase rate for a linked 'Your Choice Credit Card'

 Product Eligibility

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

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

• Other Additional Information: Minimum Deposit of 20% is required (without Lenders Mortgage Insurance)

• Other Additional Information: Minimum Deposit of 5% is required (with Lenders Mortgage Insurance)

• 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

• 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.

• 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.

• 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.

• 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.

• Partnership Advantage Annual Fee (Periodic), Amount: 375.00. Additional Information: Applies every year in the month in which your Partnership Advantage loan was first funded.

• 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.

• 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.

• 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.

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

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

• 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.

• 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.

• 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.

• 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.

 Limitations & Restrictions (Constraints)

• Min Balance of 500.00 Additional Information: The Partnership Advantage Home Loan is only available for borrowings with over $500 of new lending.