Home Loan Interest Rates

OWNER OCCUPIED

FIRST HOME LOAN⁵ (L28)
80% – 98% LVR
Variable Rate 5.09% p.a.	Comparison Rate* 5.16% p.a.
1 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.19% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.17% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.13% p.a.
5 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.46% p.a.

FIRST HOME LOAN – INTEREST ONLY⁵ (L28)
80% – 98% LVR
Variable Rate 5.09% p.a.	Comparison Rate* 5.15% p.a.
1 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.21% p.a.
2 Year Fixed Rate 5.55% p.a.	Comparison Rate* 5.24% p.a.
3 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.24% p.a.

GOLDRATE HOME LOAN (L21)
UP TO 60% LVR
Variable Rate 5.34% p.a.	Comparison Rate* 5.41% p.a.
1 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.42% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.38% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.32% p.a.
5 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.61% p.a.
UP TO 80% LVR
Variable Rate 5.39% p.a.	Comparison Rate* 5.46% p.a.
1 Year Fixed Rate 5.44% p.a.	Comparison Rate* 5.47% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.42% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.35% p.a.
5 Year Fixed Rate 5.84% p.a.	Comparison Rate* 5.66% p.a.
UP TO 95% LVR Available For The ACT Land Rent Scheme With LVR Up To 90%
Variable Rate 5.64% p.a.	Comparison Rate* 5.71% p.a.
1 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.71% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.62% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.53% p.a.
5 Year Fixed Rate 5.99% p.a.	Comparison Rate* 5.86% p.a.

GOLDRATE HOME LOAN – INTEREST ONLY (L21)
UP TO 60% LVR
Variable Rate 5.64% p.a.	Comparison Rate* 5.53% p.a.
1 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.44% p.a.
2 Year Fixed Rate 5.60% p.a.	Comparison Rate* 5.46% p.a.
3 Year Fixed Rate 5.44% p.a.	Comparison Rate* 5.43% p.a.
5 Year Fixed Rate 5.99% p.a.	Comparison Rate* 5.68% p.a.
UP TO 80% LVR
Variable Rate 5.69% p.a.	Comparison Rate* 5.58% p.a.
1 Year Fixed Rate 5.64% p.a.	Comparison Rate* 5.49% p.a.
2 Year Fixed Rate 5.60% p.a.	Comparison Rate* 5.50% p.a.
3 Year Fixed Rate 5.44% p.a.	Comparison Rate* 5.47% p.a.
5 Year Fixed Rate 6.04% p.a.	Comparison Rate* 5.73% p.a.
UP TO 95% LVR
Variable Rate 5.74% p.a.	Comparison Rate* 5.75% p.a.
1 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.73% p.a.
2 Year Fixed Rate 5.75% p.a.	Comparison Rate* 5.73% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.70% p.a.
5 Year Fixed Rate 6.24% p.a.	Comparison Rate* 5.96% p.a.

BRIDGING HOME LOAN – SUPPRESSED INTEREST
UP TO 80% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 5.57% p.a.

POLICE VALUE HOME LOAN³ (L23)
UP TO 60% LVR
Variable Rate 5.29% p.a.	Comparison Rate* 5.36% p.a.
1 Year Fixed Rate 5.34% p.a.	Comparison Rate* 5.37% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.34% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.28% p.a.
5 Year Fixed Rate 5.74% p.a.	Comparison Rate* 5.56% p.a.
UP TO 90% LVR
Variable Rate 5.34% p.a.	Comparison Rate* 5.41% p.a.
1 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.42% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.38% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.32% p.a.
5 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.61% p.a.
UP TO 95% LVR Available For The ACT Land Rent Scheme With LVR Up To 90%
Variable Rate 5.59% p.a.	Comparison Rate* 5.66% p.a.
1 Year Fixed Rate 5.54% p.a.	Comparison Rate* 5.66% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.58% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.50% p.a.
5 Year Fixed Rate 5.94% p.a.	Comparison Rate* 5.81% p.a.

POLICE VALUE HOME LOAN – INTEREST ONLY³ (L23)
UP TO 60% LVR
Variable Rate 5.59% p.a.	Comparison Rate* 5.48% p.a.
1 Year Fixed Rate 5.54% p.a.	Comparison Rate* 5.38% p.a.
2 Year Fixed Rate 5.55% p.a.	Comparison Rate* 5.41% p.a.
3 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.38% p.a.
5 Year Fixed Rate 5.94% p.a.	Comparison Rate* 5.63% p.a.
UP TO 90% LVR
Variable Rate 5.64% p.a.	Comparison Rate* 5.53% p.a.
1 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.44% p.a.
2 Year Fixed Rate 5.55% p.a.	Comparison Rate* 5.45% p.a.
3 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.42% p.a.
5 Year Fixed Rate 5.99% p.a.	Comparison Rate* 5.68% p.a.
UP TO 95% LVR
Variable Rate 5.69% p.a.	Comparison Rate* 5.70% p.a.
1 Year Fixed Rate 5.74% p.a.	Comparison Rate* 5.68% p.a.
2 Year Fixed Rate 5.70% p.a.	Comparison Rate* 5.68% p.a.
3 Year Fixed Rate 5.54% p.a.	Comparison Rate* 5.65% p.a.
5 Year Fixed Rate 6.19% p.a.	Comparison Rate* 5.91% p.a.

BRIDGING HOME LOAN – SUPPRESSED INTEREST
UP TO 80% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 5.48% p.a.

INVESTMENT – LVR up to 90%

GOLDRATE HOME LOAN (L21)
UP TO 60% LVR
Variable Rate 5.54% p.a.	Comparison Rate* 5.61% p.a.
1 Year Fixed Rate 5.49% p.a.	Comparison Rate* 5.61% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.54% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.46% p.a.
5 Year Fixed Rate 5.89% p.a.	Comparison Rate* 5.76% p.a.
UP TO 80% LVR
Variable Rate 5.59% p.a.	Comparison Rate* 5.66% p.a.
1 Year Fixed Rate 5.54% p.a.	Comparison Rate* 5.66% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.58% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.50% p.a.
5 Year Fixed Rate 5.94% p.a.	Comparison Rate* 5.81% p.a.
UP TO 90% LVR
Variable Rate 5.74% p.a.	Comparison Rate* 5.81% p.a.
1 Year Fixed Rate 5.69% p.a.	Comparison Rate* 5.81% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.70% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.60% p.a.
5 Year Fixed Rate 6.09% p.a.	Comparison Rate* 5.97% p.a.

GOLDRATE HOME LOAN – INTEREST ONLY (L21)
UP TO 60% LVR
Variable Rate 5.69% p.a.	Comparison Rate* 5.67% p.a.
1 Year Fixed Rate 5.64% p.a.	Comparison Rate* 5.62% p.a.
2 Year Fixed Rate 5.55% p.a.	Comparison Rate* 5.61% p.a.
3 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.57% p.a.
5 Year Fixed Rate 6.04% p.a.	Comparison Rate* 5.82% p.a.
UP TO 80% LVR
Variable Rate 5.74% p.a.	Comparison Rate* 5.72% p.a.
1 Year Fixed Rate 5.69% p.a.	Comparison Rate* 5.67% p.a.
2 Year Fixed Rate 5.55% p.a.	Comparison Rate* 5.65% p.a.
3 Year Fixed Rate 5.39% p.a.	Comparison Rate* 5.60% p.a.
5 Year Fixed Rate 6.09% p.a.	Comparison Rate* 5.87% p.a.
UP TO 90% LVR
Variable Rate 5.79% p.a.	Comparison Rate* 5.83% p.a.
1 Year Fixed Rate 5.84% p.a.	Comparison Rate* 5.82% p.a.
2 Year Fixed Rate 5.70% p.a.	Comparison Rate* 5.80% p.a.
3 Year Fixed Rate 5.54% p.a.	Comparison Rate* 5.75% p.a.
5 Year Fixed Rate 6.24% p.a.	Comparison Rate* 6.02% p.a.

POLICE VALUE HOME LOAN³(L23)
UP TO 60% LVR
Variable Rate 5.49% p.a.	Comparison Rate* 5.56% p.a.
1 Year Fixed Rate 5.44% p.a.	Comparison Rate* 5.56% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.50% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.42% p.a.
5 Year Fixed Rate 5.84% p.a.	Comparison Rate* 5.71% p.a.
UP TO 80% LVR
Variable Rate 5.54% p.a.	Comparison Rate* 5.61% p.a.
1 Year Fixed Rate 5.49% p.a.	Comparison Rate* 5.61% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.54% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.46% p.a.
5 Year Fixed Rate 5.89% p.a.	Comparison Rate* 5.76% p.a.
UP TO 90% LVR
Variable Rate 5.69% p.a.	Comparison Rate* 5.76% p.a.
1 Year Fixed Rate 5.64% p.a.	Comparison Rate* 5.76% p.a.
2 Year Fixed Rate 5.15% p.a.	Comparison Rate* 5.66% p.a.
3 Year Fixed Rate 4.99% p.a.	Comparison Rate* 5.57% p.a.
5 Year Fixed Rate 6.04% p.a.	Comparison Rate* 5.91% p.a.

POLICE VALUE HOME LOAN – INTEREST ONLY³ (L23)
UP TO 60% LVR
Variable Rate 5.64% p.a.	Comparison Rate* 5.62% p.a.
1 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.57% p.a.
2 Year Fixed Rate 5.50% p.a.	Comparison Rate* 5.56% p.a.
3 Year Fixed Rate 5.34% p.a.	Comparison Rate* 5.52% p.a.
5 Year Fixed Rate 5.99% p.a.	Comparison Rate* 5.77% p.a.
UP TO 80% LVR
Variable Rate 5.69% p.a.	Comparison Rate* 5.67% p.a.
1 Year Fixed Rate 5.64% p.a.	Comparison Rate* 5.62% p.a.
2 Year Fixed Rate 5.50% p.a.	Comparison Rate* 5.60% p.a.
3 Year Fixed Rate 5.34% p.a.	Comparison Rate* 5.55% p.a.
5 Year Fixed Rate 6.04% p.a.	Comparison Rate* 5.82% p.a.
UP TO 90% LVR
Variable Rate 5.74% p.a.	Comparison Rate* 5.78% p.a.
1 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.77% p.a.
2 Year Fixed Rate 5.65% p.a.	Comparison Rate* 5.75% p.a.
3 Year Fixed Rate 5.49% p.a.	Comparison Rate* 5.70% p.a.
5 Year Fixed Rate 6.19% p.a.	Comparison Rate* 5.97% p.a.

Terms & Conditions

Ref: 558

Full terms and conditions are available on application. Fees and charges apply. For credit products, lending criteria apply.

* For all Police Bank Home Loans, the comparison rate is based on a loan of $150,000 over a 25 year term. For all Police Bank Car and Personal Loans, the comparison rate is based on a loan of $30,000 over a 5 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.

³ Police Value Home Loan is only available to Current and Retired Employees of an Australian Police Force or Police organisation, uniformed or civilian.

⁵ The First Home Loan is only available for applicants that qualify for the Housing Australia. Interest Only is only applicable for construction purposes.