Variable Rate Home Loan from 5.69% (CR 5.70%) p.a. + up to $4,000 Cashback + 0.10% Broker Bonus @ Regional Australia Bank

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AssociatedRannar @ Rannar Financial Services on 09/04/2025 - 15:20 regionalaustraliabank.com.au (287 clicks)
Last edited 10/04/2025 - 12:02 by 2 other users

💰Up to $4,000 Cashback + 0.10% Broker Bonus – Regional Australia Bank (via Rannar Loans)

Looking to refinance or buy your next home? We’re helping clients lock in up to $4,000 cashback, plus an extra 0.10% broker cashback when applying through Rannar Loans.

🏆Regional Australia Bank Offer

You Get
$2,000 cashback: loans between $250,000 – $499,999.99
$3,000 cashback: loans between $500,000 – $749,999.99
$4,000 cashback: loans $750,000 and above

You Need

Loan of $250K+ with LVR ≤ 80%
Apply & be approved between 08/04/2025 – 30/06/2025
Settle by 30/09/2025
Cashback paid within 60 days of funding
One cashback per borrower

Plus 0.10% Broker Cashback based on net loan amount
Paid in 2 parts – 13 months & 25 months post settlement

🔄 Other Competitive Cashback Offers Available

You Get

ANZ – $2,000 Refinance Cashback / $3,000 FHB Cashback (Min $250K)
ME Bank – $3,000 Refinance Cashback (Min $700K, per property)
Bank Of China – $3,288 Refinance Cashback (Min $400K, per property)
Australian Military Bank – $3,000 Cashback for Investment Refinance or Purchase (Min $250K)
Macquarie Bank – No cashback, but sharp fixed rates from 5.39% p.a. (CR 5.77%)

You Should Know

No cashback if you've received one from that bank in the last 12 months
No refinancing within the same banking group
Cashback generally paid within 60 days

T&Cs apply – check lender websites

📉 Example Rates – Regional Australia Bank

Owner Occupier – Variable P&I (No Offset)
≤ 60% LVR – 5.69% p.a. (Comp Rate 5.70%)
≤ 70% LVR – 5.75% p.a. (Comp Rate 5.76%)
≤ 80% LVR – 5.81% p.a. (Comp Rate 5.82%)

With Offset

≤ 60% LVR – 5.88% p.a. (Comp Rate 5.89%)
≤ 70% LVR – 5.96% p.a. (Comp Rate 5.97%)
≤ 80% LVR – 6.02% p.a. (Comp Rate 6.03%)

Investment – Variable P&I (No Offset)
≤ 60% LVR – 5.81% p.a. (Comp Rate 5.82%)
≤ 70% LVR – 6.02% p.a. (Comp Rate 6.03%)
≤ 80% LVR – 6.07% p.a. (Comp Rate 6.08%)

With Offset

≤ 60% LVR – 6.02% p.a. (Comp Rate 6.03%)
≤ 70% LVR – 6.23% p.a. (Comp Rate 6.24%)
≤ 80% LVR – 6.28% p.a. (Comp Rate 6.29%)

✔️ Investor, Interest-Only, Construction & Split options available
✔️ Up to 8 offset accounts, redraw & family guarantee eligible

📲 How to Apply

Call or Text: 0479 181 437
Email: [email protected]
Online Form: Apply

Posted by Sach @ Rannar Loans
📍Credit Representative #541742 under ACL 384324
🌐 www.rannar.com.au

Related Stores

Regional Australia Bank

Rannar Financial Services

Third-Party

• 

  nerdinary on 09/04/2025 - 15:35

  Cashback paid within 60 days of funding
  Paid in 2 parts – 13 months & 25 months post settlement

  So which one is it?

  • 

    Mojorisin2016 on 09/04/2025 - 15:42

    I’m guessing the bank cash is pain in 60 days and the broker cashback is in two parts at 13 and 25 months, post settlement.

  • 

    AssociatedRannar @ Rannar Financial Services on 09/04/2025 - 15:53

    Broker cashback, in addition to the bank's cashback.

• 

  Ultramup on 09/04/2025 - 15:49

  How long would you wait between refi from a different bank?

  • 

    AssociatedRannar @ Rannar Financial Services on 09/04/2025 - 15:54

    +1

    There’s no waiting period if you’re on a variable rate.

    • 

      ol mate on 09/04/2025 - 19:16

      +1

      Technically no waiting period on a fixed either. Just a break fee

• 

  Yogi-oz on 09/04/2025 - 17:08

  Includes offset? I am currently at 5.84% with 100% offset and unlimited redraw. Any better offer?

  • 

    Lord Ra on 10/04/2025 - 00:46

    That's awesome!
    Who with? Is it available to general public?

    • 

      Yogi-oz on 10/04/2025 - 08:36

      I am with NAB. I went through a broker (Hunter Galloway, Brisbane).
      Then had a rise in Nov 23 (in line with the RBA rate increase). Now its back to 5.84% after the latest rate cut. Hoping for more cuts this year.

  • 

    AssociatedRannar @ Rannar Financial Services on 10/04/2025 - 12:04

    With Offset

    ≤ 60% LVR – 5.88% p.a. (Comp Rate 5.89%)
    ≤ 70% LVR – 5.96% p.a. (Comp Rate 5.97%)
    ≤ 80% LVR – 6.02% p.a. (Comp Rate 6.03%)

  • 

    Russ on 10/04/2025 - 22:33

    +1

    5.84% with 100% offset and unlimited redraw. Any better offer?

    Up Bank has 5.75% standard variable P&I rate, with redraw and up to 50 free offset accounts, and no annual or monthly fee:
    https://up.com.au/home-loans/

    Up Bank is owned by Bendigo Bank, but Up is online-only, doing everything through their banking app, or contacting them by phone or email. No branches, however they do have Bank@Post for doing a lot of the things you would do at a branch. Can use any of the "Big 4" ATMs for free too.

    Up are also good for international holidays, I was able to get cash at 7-11 ATMs in Japan, paying only the exchange rate - no surcharges, fees or ATM charges. And you can withdraw more than other banks allow from the overseas ATMs - I withdrew 60,000JPY (roughly 600AUD) in Japan last November, spread across five withdrawals.

• 

  Ultramup on 09/04/2025 - 17:25

  Would u have any CB deals for purchases?

• 

  RS08 on 09/04/2025 - 20:51

  +2

  Fee and cost to refinance and exit fee on variable? Like valuation, closing account or any?

  • 

    AssociatedRannar @ Rannar Financial Services on 10/04/2025 - 12:05

    Annual fee $0
    Approval fee $0
    Documentation fee $0
    Discharge fee Yes
    Valuation fees At cost
    Top up fee $195
    Restructure fee $200
    Monthly service fee $0
    Break costs for early payout Nil on variable, may apply on fixed
    Access fee on Transaction & Savings Accounts

    • 

      Kustard King on 14/04/2025 - 15:42

      What is the "restructure fee"? Do they charge additional fees if you setup additional split loans (with the offset account)?

    • 

      RS08 on 15/04/2025 - 22:47

      Cash back offer is per property or per customer? I have been told it’s per customer.

• 

  gungirlyuna on 10/04/2025 - 08:12

  Can provide the same details but for investor loans?

  • 

    AssociatedRannar @ Rannar Financial Services on 10/04/2025 - 12:04

    Investment – Variable P&I (No Offset)
    ≤ 60% LVR – 5.81% p.a. (Comp Rate 5.82%)
    ≤ 70% LVR – 6.02% p.a. (Comp Rate 6.03%)
    ≤ 80% LVR – 6.07% p.a. (Comp Rate 6.08%)

    With Offset

    ≤ 60% LVR – 6.02% p.a. (Comp Rate 6.03%)
    ≤ 70% LVR – 6.23% p.a. (Comp Rate 6.24%)
    ≤ 80% LVR – 6.28% p.a. (Comp Rate 6.29%)

• 

  miwahni on 10/04/2025 - 22:43

  Would refinancing from Suncorp to ANZ now be considered within the same banking group? Just curious.

  • 

    AssociatedRannar @ Rannar Financial Services on 11/04/2025 - 10:36

    +1

    Yes, you wouldn’t be eligible for the cashback offer if you’ve received one from either of them within the past 12 months

• 

  Bargainer4848 on 13/04/2025 - 13:04

  Its not all about cashback, I got 5.69% with an offset from my broker