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Home Loans
Every sort of loan, for every sort of home
Switch today.
Refinance your home loan and get up to $4,000 cashback.
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.
Offer terms and conditions apply.
Why choose us?
The bank for Police
We were created by Police for Police. For 60 years we've worked hard to help Police officers – both serving and retired - family, friends and the communities you serve right across Australia.
Member owned, member first
Because we’re owned by you, you benefit from competitive rates and fewer fees, along with service that’s focused on you. Our products and services are built to serve the needs of the police community first.
We’re big on security and big on service
Just like the big banks, we need to meet the same high standards and protocols to ensure your banking is safe and secure. But unlike the big banks, we’re not here to make big profits. We’re here to help you reach your financial goals with service that’s focused on your needs, not ours.
We’re part of your community
We know what matters to you. That’s why we support Police Legacy and associations and sponsor sporting teams and special events within the Police community.
Choose a loan that’s right for you
How much could you save with Police Bank’s competitive rates?
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 Housing Australia Scheme, we’ll help you get into your first home with as little as 2% deposit.
Ready to apply? Let’s get started
Apply now in 3 easy steps!
01
Choose your loan
Find the loan that best suits you. We’ve made it fast and easy for you to tailor the loan with all the features that suit you best.
02
Save your application
Once you’ve lodged your application we’ll review it to make sure it suits your needs and your budget. You can usually get conditional approval within 72 hours.
03
Any questions? Let’s talk
We’re here to help at every step. Call us on 131 728 or click on the ‘contact us’ button to send us a message. We’ll get back to you shortly.
Refinancing
Refinance your current home loan with a great rate from Police Bank. You could save more with no ongoing monthly or annual fees and additional repayments.
Find out more
Thinking of investing?
Take your next step with Police Bank. Let’s talk about your plans and help you find the investment loan that will work hardest for you.
Request a call back
First home loan schemes
If you’re buying your first home you may qualify for the Housing Australia Scheme. Get moving with as little as 2% deposit and a great Police Bank rate.
Read moreFAQs
We’re here to help. If you can’t find the answer you’re looking for, click on the contact button to speak to us.
Ready to apply for a Home Loan?
From hands-on help with your application to conditional approval within 72 hours
Important Information
*Terms and conditions apply and are available on request. Fees, charges and lending criteria apply. 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.
^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%, with the exception of the Housing Australia 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 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.
Home Loan Terms & Conditions.
1. The First Home Loan is only available for applicants that qualify for the Housing Australia Scheme. Interest Only is only applicable for Construction purposes.
2. Minimal loan amount is $50,000. Existing Police Bank borrowers must borrow a minimum of $50,000 additional funds to be eligible.
3. Police Value Home Loan is only available to Current and Retired Employees of an Australian Police Force or Police organisation uniformed or civilian.