Refinance and get up to $4,000 cashback*

*Eligibility & Offer Details

Offer Period: 1 August 2025 to 30 September 2025, or until withdrawn at Police Bank’s discretion.

This cashback offer is available to current and new members of Police Bank who refinance an existing home loan during the offer period. Police Bank reserves the right to vary, extend, or withdraw this offer at any time without prior notice.

Meet eligibility criteria below;

• • Apply for a Police Bank Police Value or Goldrate Home Loan during the offer period.
  • Meet minimum loan amount of $300,000 and have a loan-to-value ratio (LVR) of 80% or less.
  • Open and maintain a Police Bank Easy Access S1 transaction account with card access.
  • Direct their salary/wages to be credited to their Police Bank Easy Access transaction account for a minimum of three (3) consecutive salary deposits.
  • Complete loan settlement within 90 days of application.

Eligible Loan Types:

• • Refinanced home loans from other financial institutions (excluding Border Bank)
  • Owner-occupied or Investment, Fixed or Variable, Principal & Interest repayment only

Cashback Amounts

The cashback amount is determined on applicable loan amount bracket below:

• • $300,000 – $499,999: $2,000 cashback
  • $500,000 – $749,999: $3,000 cashback
  • $750,000 or more: $4,000 cashback

Full terms & conditions, see here.

Home Loan Terms & Conditions

†Terms and Conditions available at branches and online. This offer is subject to credit assessment approval and Police Bank’s standard lending criteria. A Financial Services Guide (FSG) is available at all branches, on our website, and upon request. Police Bank reserves the right to request additional documentation to verify eligibility.

^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.

Lenders Mortgage Insurance (LMI) required for Loans with an LVR greater than 80%. 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 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.

Minimal loan amount is $300,000.

Police Value Home Loan is only available to Current and Retired Employees of an Australian Police Force or Police organisation uniformed or civilian.

A Financial Services Guide (FSG) including loan terms and conditions is available at all branches upon request, and here.