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A rate so small

you'll barely notice it.

New owner-occupied borrowers only.^

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.

Based on the details you entered

Change Home Loan Type (Owner Occupied)

Popular Home Loan Options

  • comparison rate^

  • A rate so small you'll barely notice it. Available for a limited time, for new owner-occupied borrowers only.
    • Special discounted variable rate
    • Construction Loan
    • No annual or monthly fees
    • Redraw Facility
    • Reduced Fees Program
    • No early exit fees
  • From
  • comparison rate^

  • Enjoy the assurance of knowing exactly what your repayments will be with our 2, 3 or 5 Year Fixed Rate.
    • Redraw Facility
    • Fixed Rate available on our Police Value and Premium Home Loan
  • comparison rate^

  • Save with a discounted variable interest rate. For owner occupied loans only.
    • Special discounted variable rate
    • Split Facility
    • Construction Loan
    • No annual or monthly fees
    • Redraw Facility
    • Reduced Fees Program
    • No early exit fees3
  • comparison rate^

  • 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
  • Owner Occupied

    Investment
  • Owner Occupied
    comparison rate^

    Investment
    comparison rate^

  • 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

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

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

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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. The Special Offer Goldrate Home Loan is only available to new owner-occupied borrowers who apply between 08/10/18 – 12/4/19 and have their loan funded by 07/06/19. 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.

Fixed Rate Loan

Retirement Lifestyle Loan (Reverse Mortgage)

Reduced Fees Program

Schedule of Fees and Charges (PDF)

Financial Services Guide (PDF)