Home Loans

Our Home Loan Options

Owner Occupied Home Loans

Investment Home Loans

Owner Occupied Home Loans

Goldrate¹

variable rate
⁵
comparison rate^{^}
LVR up to 80%
more info

variable rate
comparison rate^{^}
LVR above 80%
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^{^}
LVR up to 90%

fixed rate
from
comparison rate^#
LVR up to 90%

more info

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

LVR above 90% available
Interest Offset Available
Split Facility
Construction Loan
Redraw Facility
Reduced Fees Program
No early exit fees³

Premium

variable rate
comparison rate^{^}
LVR up to 95%

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

more info

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^{^}

more info

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

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

Police Value²

variable rate
comparison rate^{^}

fixed rate
from
comparison rate^#

more info

Police Value Home Loan with a lower than standard interest rate for Police.

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

Premium

variable rate
comparison rate^{^}

fixed rate
from
comparison rate^#

bridging variable rate
from
comparison rate^{^}

more info

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

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

Online Property Reports

Our free Online Property Reports tool will be your new best friend when it comes to buying or selling. Backed by CoreLogic and accessible on any device, find the key property information you need wherever you are!

Start your Property Search Today

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

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.

# The comparison rate is based on a loan of $150,000, fixed for the first 2 years, 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. Police Value Home Loan cannot be taken in conjunction with any other offer, bonus or discount, including the No Establishment Fee offer.

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

5. This Home Loan is only available to new owner-occupied borrowers. 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. Home Loan cannot be split with a fixed term or any other Police Bank Home Loan product. A maximum Loan Value Ratio (LVR) of 80% including the capitalisation of Mortgage Protection Insurance applies. Home Loan is a limited time offer and can be withdrawn at any time. This home loan has a waived establishment fee only available to borrowers who apply between 16/9/19 – 31/1/20 and have their loan funded by 31/3/20. This offer is only applicable to single security loans.

Fixed Rate Loan

Reduced Fees Program

Schedule of Fees and Charges (PDF)

Financial Services Guide (PDF)