Police Bank Home Loans
Helping you make your dream
a reality
Popular Home Loan Options
- From
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comparison rate^
- Enjoy the assurance of knowing exactly what your repayments will be with our 2, 3 or 5 Year Fixed Rate.
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Redraw Facility
- Fixed Rate available on our Police Value and Premium Home Loan
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comparison rate^
- Save with a discounted variable interest rate. For owner occupied loans only.
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- Special discounted variable rate
- Split Facility
- Construction Loan
- No annual or monthly fees
- Redraw Facility
- Reduced Fees Program
- No early exit fees3
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comparison rate^
- Police Value Home Loan with a lower than standard interest rate could have you owning your home sooner.
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- Interest Offset Available
- Split Facility
- Construction Loan
- Redraw Facility
- Reduced Fees Program
- No early exit fees3
- Owner Occupied
Investment
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Owner Occupied
comparison rate^Investment
comparison rate^ - Offers home loan flexibility & features to suit your individual requirements.
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- Interest Only Available
- Interest Offset Available
- Split Facility
- Bridging Loan
- Construction Loan
- Redraw Facility
- Reduced Fees Program
- No early exit fees3
- Equity Maximiser is part of our commitment to help build your assets to assist in wealth creation for a secure long-term financial future.
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- Principal & Interest Option Available
- Redraw Facility
Visit our Property tips section for useful articles and tips for purchasing property
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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. 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. Investment real estate lending is not available. 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. This offer is available for owner occupied home loans applied for and funded between 8/8/18 to 30/9/18. Members’ current home loan with competitor financial institution must be fully discharged and refinanced with Police Bank by 30/9/18. $1,500 will be credited to S1 account within 1 month of settlement. Maximum bonus payment is $1,500 for each household that is approved for a refinance.
5. This offer is available for owner occupied home loans applied for and funded between 8/8/18 to 30/9/18. These offers are not available in conjunction with any other offer and can be withdrawn at any time. Minimum loan amount is $50,000. Establishment Fee offer is not available for refinancing of an existing Police Bank home loan or for the Bridging Home Loan. This offer is only applicable to single security loans.
Schedule of Fees and Charges - Equity Maximiser (PDF)
Retirement Lifestyle Loan (Reverse Mortgage)
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