Mortgage Secured Commercial Loan

Whether secured by residential, commercial our rural property our dedicated Commercial Lending Team can tailor a commercial mortgage to meet your long-term financial needs.
Category: Business Loans  Last Updated April 30, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Interest rates are available on request for this product. Rates will vary based on the circumstances of the borrower and the security being Rural, Commercial or Residential.
Interest Rate
0.00% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Other Additional Information: No monthly Access Fee on your Savings or Transaction accounts where the minimum monthly membership balance exceeds $5,000.
  • Redraw Additional Information: Minimum redraw amount is $500.
  • Other Additional Information: Split loans available
  • Other Additional Information: Repayments can be made Monthly, Quarterly, Semi-Annually or Annually to suit your cashflow needs.

 Product Eligibility

  • 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.
  • Other Additional Information: Minimum Deposit of 35% is required for mortgages secured by commercial property.
  • Other Additional Information: Minimum Deposit of 20% is required for mortgages secured by residential property.
  • Residency Status - Australian Registered Business. Additional Information: Businesses must be an Australian Registered Business.
  • 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.
  • Business Additional Information: This product is not available to non-business customers.
  • Other Additional Information: Minimum Deposit of 40% is required for mortgages secured by rural property.

 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.
  • Discharge Of Mortgage Preparation (Variable), Amount: Not Listed.. Additional Information: Applies when we are required to prepare discharge of mortgage documentation relating to a property 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.
  • 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.
  • 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.
  • Commercial Loan Application Fee ($100,001+) (Upfront), Amount: Not Listed.. Additional Information: Applied on the approval of a Commercial Loan of an amount over $100,000
  • Commerical Loan Application Fee($500-$100,000) (Upfront), Amount: 250.00. Additional Information: Applies on the approval of a Commercial Loan between the amount of $500 - $100,000
  • 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.
  • Commercial Loan Top Up Fee (Event), Amount: 200.00. Additional Information: Applies on approval of an additional borrowing against a property that we hold an existing mortgage over.
  • Monthly Service Fee (Periodic), Amount: 0.00.
  • Redraw Fee (Transaction), Amount: 0.00.
  • 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.
  • 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 500.00 Additional Information: A minimum limit of $500 applies to this product.