Home Loans

Popular Home Loan Options

Fixed Rate Home Loan
From
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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
More Info / Apply

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Goldrate Home Loan¹
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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
More Info / Apply

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Police Value Home Loan²
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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
More Info / Apply

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Premium Home Loan
Owner Occupied

Investment
Owner Occupied
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Investment
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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
More Info / Apply

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Equity Maximiser Home Loan
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Equity Maximiser is part of our commitment to help build your assets to assist in wealth creation for a secure long-term financial future.
- Principal & Interest Option Available
- Redraw Facility
More Info / Apply

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Compare Home Loan options

FOR A LIMITED TIME, GET AN EVEN BIGGER BONUS WITH OUR

$1000 SWITCH!^#

REFINANCE WITH POLICE BANK AND WE'LL GIVE YOU A $1000 BONUS

(Available until 31/08/2018. Not available for investor lending)

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.

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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.

#Minimum loan amount is $50,000. Members’ current home loan with competitor financial institution must be fully discharged and refinanced with Police Bank. $1000 will be credited to S1 account on settlement. Maximum bonus payment is $1000 for each household that is approved for a refinance. This offer is available from 13/02/18 – 31/08/18 for loans that are applied for and approved within those dates. Not available for investment loans. This offer cannot be used in conjunction with any other offer. We reserve the right to withdraw this offer at any time.

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.

Equity Maximiser

Schedule of Fees and Charges - Equity Maximiser (PDF)

Fixed Rate Loan

Retirement Lifestyle Loan (Reverse Mortgage)

Reduced Fees Program

Schedule of Fees and Charges (PDF)

Financial Services Guide (PDF)