Partnership Advantage Home Loan

Partnership Advantage is our premium home loan, with all the features and every advantage all in one package.

Discount Variable - $250,000+
(Owner Occupier, Principal & Interest)
3.99%p.a1
Discount Variable - $250,000+
(Owner Occupier, Principal & Interest) - Comparison Rate
4.18%p.a2

Features & Benefits

Tiered Interest Rate Discounts¹
Discounts on range of other products
Up to 8 100% offset accounts
Dedicated Relationship Manager

At Regional Australia Bank we understand there’s more to a great home loan than a great rate. You also need the right features, low fees and the flexibility to make your home loan work for you. Further, having a real person to talk you through the complexities of the purchase process can save you time, money and effort.

Luckily, our dedicated banking Relationship Managers are here to help you. As your single point of contact your Relationship Manager will get to know you, your situation and your aspirations so you can take advantage and build the home loan that meets your needs. They work with real estate agents, solicitors and third parties so you have time for the more important things.

When it does come time to craft the right mortgage for you, the Partnership Advantage Home Loan ticks all the boxes. Great discounts on interest rates, fees and other products, a wide range of flexible options and features like eight 100% offset accounts to manage your budget means it's the first choice for making your home owing dreams come true.

Have a question or want to get started?

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We're available on 132 067 if you would like to apply over the phone or have a question.

Product Details

Borrowers
Owner Occupier, Investor
Interest Rate Type
Variable or Fixed
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
Yes
Redraw
Yes (variable loans only) 4
100% Offset Accounts
Up to 8 per variable loan account
Split Loans Allowed
Yes
Minimum Amount
$500
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
20%
Minimum Deposit
(with Lenders Mortgage Insurance)
5%
Interest Only Payments Available
Yes, up to 5 years 5
Discounted Interest Rate on "Your Choice" Credit Card
5% discount
Visa Platinum Rewards Card
Yes
Your Choice Visa Credit Card
Yes
Discount on CGU Insurance
10% discount
Access Fee on Transaction and Savings Accounts
Waived 6
Annual Fee
$375
Approval Fee
None
Mortgage Documentation Preparation Fee
Waived
Discharge of Mortgage Preparation Fee
Waived
Valuation Fees
Waived
Top Up Fee
Waived
Restructure Fee
Waived
Monthly Service Fee
None
Visa Platinum Rewards Credit Card Fee
Waived
Your Choice Visa Credit Card Fee
Waived
Break Costs for Early Payout
May apply to fixed loans
Access Fee on Transaction & Savings Accounts
Waived6
Discount Variable - $250,000+
(Owner Occupier, Principal & Interest)
3.99%p.a1
Discount Variable - $250,000+
(Owner Occupier, Principal & Interest) - Comparison Rate
4.18%p.a2
Discount Variable - Under $250,000
(Owner Occupier, Principal & Interest)
4.19%p.a1
Discount Variable - Under $250,000
(Owner Occupier, Principal & Interest) - Comparison Rate
4.47%p.a3
Other Rates
Please see our Interest Rates page for details of
Investor, Fixed and Interest Only rates

Disclaimer

Interest rates are on a per annum basis and are current as at 01/06/18 and are subject to change.

1 The Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Partnership Advantage Home Loans.

2 WARNING: This comparison rate is based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

3 WARNING: This comparison rate is based on $200,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

4 Minimum redraw amount is $500.

5 Regional Australia Bank reserves the right to determine eligibility for this service.

6 No monthly Access Fee where the minimum monthly membership balance exceeds $5,000.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.