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Home Loans
Every sort of loan, for every sort of home
Why choose Police Bank?
Home loans built for Police life
Policing is not just any job. And because we understand police pay and allowances, such as overtime, we consider these when you apply for a loan.
Get started in minutes
It’s easy to get moving with our online application. Once you start, our team are ready to step up and help you move forward with your home lending journey.
Support at every step
Get access to a Home Lending Specialist who understand your needs, plus tools, calculators and expert guides to help you get sorted.
Home Lending Specialists
Our team can check your eligibility for a 5% deposit (or minimum 2% deposit for single parents or legal guardians) and no Lenders Mortgage Insurance fees through the Government’s 5% Deposit Scheme.
Here for our own
Police Bank has been around for more than 60 years. We’re owned by members, so profits aren’t our priority and we can help our community with competitive rates, lower fees and great service.
Refinancing with Police Bank means more than just savings.
With up to $4,000 cashback* and loan options to suit your needs, you’ll have the confidence of knowing your money is where it belongs, back in your pocket.
Our dedicated lending specialists are here to help, get in touch today.
*See full Terms & Conditions.
First home? Talk to us first
We’re here to help you step into home ownership with confidence. Let us show you how.
Award-winning low rate variable home loans
Find out more on government schemes and grants
Expert guidance to assist you with your loan
Competitive first home buyer rates and benefits
Looking to buy or refinance? Find out more about…
Choose a loan that’s right for you
Talk to us about the loan and the strategy that could work hardest for you.
Police Value
Our best value loan — for current and retired employees of an Australian Police Force.
Goldrate
If you're a friend or family member of a Police employee, enjoy our Goldrate option.
First Home Loan
If you qualify for the Australian Government 5% Deposit Scheme, we'll help you get into your first home.
Calculators & Tools
Estimate your borrowing power, repayments or stamp duty costs with our calculators & tools.
Support at every step
Map your home loan journey
We’ll take time to understand where you are at and take you through all available home loan options to help you find the one that best suits you.
Expert guidance through the application process
A Home Lending Specialist will explain the paperwork/documents required for you to complete your application with confidence.
With you all the way to settlement
From your first questions to finalising your loan, your Home Lending Specialist is by your side to support you through every step of the process.
FAQ
We’re here to help. If you can’t find the answer you’re looking for, click on the Contact Us button to speak to us.
Save time, apply online
Complete your application in minutes from the comfort of your home
Talk to a Home Lending Specialist
Speak with our Home Lending Specialists
Monday to Friday, 8am – 6pm
Schedule an appointment
Schedule a meeting with a Home Lending Specialist at a time that suits you
Important Information
Terms and conditions apply and are available on request. Fees, charges and lending criteria apply. This information is general in nature and has been prepared without taking into account your personal objectives, circumstances and needs.
You should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
A Financial Services Guide (FSG) is available at all Branches, on our website and upon request. Unless stated, all comparison rates are based on principal and interest repayments. For more information on interest only comparison rates, please contact us.
*Interest rates correct as at 23 March 2026 and subject to change.
^The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
† Interest Only is available for 12 months maximum on construction loans.
Lenders Mortgage Insurance (LMI) required for Loans with an LVR greater than 80%, with the exception of the Australian Government 5% Deposit Scheme. If you decide to repay your home loan, refinance or switch to another lender within the first year, then you may be eligible for a partial refund of your LMI repayment. An early repayment fee may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments above $9,999. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. Offset Account is not available on Interest Only or Fixed rate loans.
Home Loan Terms & Conditions.
- The First Home Loan is only available for applicants that qualify for the Australian Government 5% Deposit Scheme. Construction financing is limited to interest only repayment structures.
- Police Value Home Loan is only available to Current and Retired Employees of an Australian Police Force or Police organisation uniformed or civilian.