|Home Loan||Max LVR
(LMI may apply6)
|Variable Rate||Fixed Rate Option||Investment Loan||Construction Loan||Interest Offset||Principal & Interest||Interest Only||Split Facility||Pre-approval Available||Multiple Securities||Redraw Facility||No ongoing / monthly fees||Application Fee||Reduced Fees Program3||No Early Exit Fee||Monthly Account Fee|
|Goldrate Home Loan# | comparison rate^ More Info||95%||$545|
|Police Value Home Loan* | comparison rate^ More Info||95%||$545||5|
|Premium Home Loan Owner Occupied | comparison rate^ Investment | comparison rate^ More Info||95% (Owner Occupied)
|Fixed Rate Home Loan From | comparison rate^ More Info||95%||$545|
|Equity Maximiser Home Loan More Info||90%||1||1||1||1||1||1||1||1||1||1||$545||2||4|
|Bridging Home Loan From | comparison rate^ More Info||80%||$880|
Terms & Conditions
Effective Date: . Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.
^ 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.
# To be eligible for the Goldrate Home Loan, you must have a Police Bank Visa Credit Card with a minimum approved limit of $2500, an S8 Online SuperSaver Account, whole of pay to Police Bank prior to loan funding. Minimum loan amount is $50,000. Existing Police Bank borrowers must borrow minimum $50,000 additional funds to be eligible. Not available for investment purposes. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.
* Police Value Home Loan only available to current serving Police Officers or a Retired Police Officer(s) who are a member of a Union that is associated with the Police Federation of Australia. This includes NSW Police Association (including Associate members), and the Australian Federal Police Association. Rate discounted against Premium Home Loan. Investment real estate lending is not available. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.
1. Options available on linked accounts.
2. Payable if account terminated within 3 years of first transaction.
3. The Reduced Fees Program rewards you for doing business with the Police Bank. The program gives you more fee free personal cheques, electronic periodical payments, ATM and EFTPOS transactions than would normally apply to our Members accounts. Refer to Schedule Fees and Charges brochure and Reduced Fees Program terms and conditions.
4. Account keeping fee applies for linked accounts. Refer to Schedule Fees and Charges Equity Maximiser brochure.
5. May apply if fixed term applies.
6. Lenders Mortgage Insurance (LMI) required for Loans with LVR greater than 80%. Loans with LVR 80% or lower do not require LMI. Loans with LVR greater than the maximum for each Loan type may be not eligible.