Helping Police Officers with a low rate home loan that has a great range of features to help pay off your home sooner.
Category: Home Loans Last Updated October 2, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupied P&I LVR>90% 3 Yr C9
Interest Rate 5.59% PA
Comparison Rate 6.21%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
<60
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.37%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.48%
Repayment Type: Interest Only
Loan Purpose: Investment
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.49%, Comparison Rate 6.54%
Repayment Type: Interest Only
Loan Purpose: Investment
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.53%
Repayment Type: Interest Only
Loan Purpose: Investment
<60
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.36%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Investment
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Investment
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.55%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.63%
Repayment Type: Interest Only
Loan Purpose: Investment
<90
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.29%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<90
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.32%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.39%, Comparison Rate 6.41%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 6.37%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.65%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 6.27%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.65%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.17%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.52%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<80
Lending Rate Type: Variable
Interest Rate: 7.09%, Comparison Rate 6.25%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.67%
Repayment Type: Principal And Interest
Loan Purpose: Investment
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.53%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.57%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.49%
Repayment Type: Interest Only
Loan Purpose: Investment
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.52%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Investment
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Investment
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.39%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.68%
Repayment Type: Interest Only
Loan Purpose: Investment
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.35%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.39%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Variable
Interest Rate: 6.39%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Investment
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.48%
Repayment Type: Interest Only
Loan Purpose: Investment
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.48%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<90
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.32%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.73%
Repayment Type: Interest Only
Loan Purpose: Investment
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.60%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.35%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.14%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Variable
Interest Rate: 6.24%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.39%, Comparison Rate 6.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.27%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<90
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.22%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<90
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.37%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Investment
<90
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Product Features
OffsetAdditional Information: Not Available for Fixed Loans or Interest Only
RedrawAdditional Information: Fee Free redraw
OtherAdditional Information: Available for the ACT Rent Land Scheme
OtherAdditional Information: Up to $5,000 over the Fixed Term period
Product Eligibility
Natural Person
Other - Police Officers. Additional Information: 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.
Mortgage Discharge Fee (Exit), Amount: 294.00. Additional Information: Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office
Additional Statement Fee (Event), Amount: 5.00. Additional Information: Payable when you request an additional statement
Excess Valuation Fee (Variable), Amount: 0.00.
Establishment Fee (Upfront), Amount: 600.00.
Arrears Letter Fee (Event), Amount: 6.50. Additional Information: Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.
Insurance (Variable), Amount: 0.00.
Stamp Duty (Upfront), Amount: 0.00.
Independent Legal Advice/interpreter Service (Variable), Amount: 0.00.
Consent To Subdivision Fee (Event), Amount: 162.00. Additional Information: Payable when you ask for our consent to register a subdivision or other plan or dealing.
Issue Of Statutory Default Notice Legal Fees (Variable), Amount: 0.00.
Pest & Building Inspections Fees (Variable), Amount: 0.00.
Bridging Home Loan Establishment Fee (Event), Amount: 880.00.
Other Legal/ Solicitors Fees (Variable), Amount: 0.00.
Second Mortgage Consent Fee (Event), Amount: 75.00. Additional Information: Payable when you ask us to consent to a second mortgage
Default Notice Fee (Event), Amount: 21.50. Additional Information: Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.
Substituting Of Security Legal Fee (Upfront), Amount: 605.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.
Legal/securities Fees (Variable), Amount: 0.00.
Substituting Securities Fee (Event), Amount: 315.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.
Mortgage Loan Top Up/increase In Credit Limit Fee (Event), Amount: 315.00.
Production Of Title Fee (Upfront), Amount: 110.00. Additional Information: Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property
Other Government Duties & Taxes (Variable), Amount: 0.00.
Rtgs Transfer Fee (Upfront), Amount: 10.50. Additional Information: Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.
Third Party Costs (Variable), Amount: 0.00. Additional Information: Any other costs charged to us by a third party will be passed on to you. Some examples are as follows:
• Title Change Fee
• Land and Property Information Search Fees
• Land and Property Information Registration Fees
Early Repayment Fee (Event), Amount: 0.00. Additional Information: Early Repayment Fee payable, if, during any fixed rate period, you:
(a) repay the whole of your unpaid balance (full early repayment);
(b) pay $5000 or more in repayments above the contractual repayments (partial early repayment); or
(c) become obliged to repay the whole loan after you have defaulted (full early repayment)
and the fixed rate that applied to the loan is more than the prevailing market interest rate at the time of the early repayment, as determined by us in our absolute discretion.
General Consent Fee (Event), Amount: 250.00. Additional Information: Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable).
Dishonoured Member Cheque Fee (Event), Amount: 9.00.
Bank Cheque (Variable), Amount: 0.00.
Late Payment Fee (Event), Amount: 10.00. Additional Information: Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts
Stamp Duty Increase Fee (Variable), Amount: 0.00.
Future Legal Costs And Disbursements Relating To Any Variations, Dealings, Discharges (Event), Amount: 0.00.
