Police Bank Home Loans

Helping you make your dream

a reality

Looking to buy?

We can help with one of our great home loans, simply fill in the fields below to see our great value home loan options.

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Change Home Loan Type (Owner Occupied)

Our Home Loan Options

Owner Occupied Home Loans
Investment Home Loans

Owner Occupied Home Loans

Goldrate1

  • variable rate
    5

  • comparison rate^
  • up to 70% LVR
  • Available until 30/9/19
  • more info
  • variable rate
    4

  • comparison rate^
  • up to 90% LVR
  • Available until 30/9/19
  • more info
  • variable rate


  • comparison rate^
  • up to 95% LVR
  • Available until 30/9/19
  • more info

Spend less time with your mortgage and more time with those you love!

Special discounted variable rate
Construction Loan
No annual or monthly fees
Redraw Facility
Reduced Fees Program
No early exit fees

Police Value2

  • variable rate


  • comparison rate^
  • up to 95% LVR
  • fixed rate
    from

  • comparison rate^
  • up to 95% LVR

Police Value Home Loan with a lower than standard interest rate could have you owning your home sooner.

Interest Offset Available
Split Facility
Construction Loan
Redraw Facility
Reduced Fees Program
No early exit fees3

Premium

  • variable rate


  • comparison rate^
  • up to 95% LVR
  • fixed rate
    from

  • comparison rate^
  • up to 95% LVR

Offers home loan flexibility & features to suit your individual requirements.

Interest Only Available
Interest Offset Available
Split Facility
Bridging Loan
Construction Loan
Redraw Facility
Reduced Fees Program
No early exit fees3

Investment Home Loans

Goldrate1

  • variable rate


  • comparison rate^

Make the most of your investment with a discounted variable interest rate.

Special discounted variable rate
up to 80% LVR
Construction Loan
No annual or monthly fees
Redraw Facility
Reduced Fees Program
No early exit fees

Premium

  • variable rate


  • comparison rate^
  • fixed rate
    from

  • comparison rate^
  • bridging variable rate
    from

  • comparison rate^

Offers home loan flexibility & features to suit your individual requirements.

Interest Only Available
Interest Offset Available
up to 80% LVR
Split Facility
Bridging Loan
Construction Loan
Redraw Facility
Reduced Fees Program
No early exit fees3

Visit our Property tips section for useful articles and tips for purchasing property

Property Tips

Turn your dream home into a reality in ACT with our Land Rent Scheme Home Loan.

More Info / Apply

Get the free Police Bank App ‘Property Insights’

It's a great tool if you’re looking to buy or sell in the property market!

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Home Loan Key Fact Sheets

Who can apply for a loan?

You can apply for a loan individually or jointly with one other person or multiple person/s. To apply you need to:

  • be at least 18 years old.
  • have a regular income.
  • be a permanent Australian resident.
  • be able to make your repayments.
  • want to borrow more than $50,000.

Terms & Conditions

Effective Date: . Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.

* The results shown are for illustrative purposes only and are not guaranteed by Police Bank in any way. The calculation is based off Owner Occupied Home Loan interest rates, for Investment Home Loan interest rates visit the Premium Home Loan page. This projection is not an application for credit by you, nor does it constitute an offer of credit by Police Bank. Full details on repayments and terms and conditions are available by contacting a Member Service Officer at Police Bank.

^ 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.

1. Minimum loan amount is $50,000. Existing Police Bank borrowers must borrow minimum $50,000 additional funds to be eligible. Investment real estate lending is limited to purchase or refinance to a maximum Loan Value Ratio (LVR) of 80%. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.

2. 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. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.

3. An early repayment fee may apply on the fixed rate portion of any loan.

4. The Special Offer Goldrate Home Loan is only available to new owner-occupied borrowers who apply between 19/06/18 – 30/9/19 and have their loan funded by 30/11/19. Not available for investment purposes or for refinancing of existing Police Bank loans. Special Offer Goldrate Home Loan cannot be taken in conjunction with any other offer, bonus or discount. Special Offer Goldrate Home Loan cannot be split with a fixed term or any other Police Bank Home Loan product. A maximum Loan Value Ratio (LVR) of 90% including the capitalisation of Mortgage Protection Insurance and Lenders Mortgage Insurance (LMI) applies. Special Offer Goldrate Home Loan is a limited time offer and can be withdrawn at any time.

5. This Home Loan is only available to new owner-occupied borrowers who apply between 19/6/19 – 30/9/19 and have their loan funded by 30/11/19. Not available for investment purposes or for refinancing of existing Police Bank loans. Home Loan cannot be taken in conjunction with any other offer, bonus or discount, with the exception of the $1500 Bonus offer. Home Loan cannot be split with a fixed term or any other Police Bank Home Loan product. A maximum Loan Value Ratio (LVR) of 70% including the capitalisation of Mortgage Protection Insurance applies. Home Loan is a limited time offer and can be withdrawn at any time.

Fixed Rate Loan

Reduced Fees Program

Schedule of Fees and Charges (PDF)

Financial Services Guide (PDF)