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 February 18, 2025 Effective March 3, 2025
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupier P&I LVR<60% 3 Yr C13
Interest Rate 5.79% PA
Comparison Rate 6.19%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..
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.49%, Comparison Rate 6.54%
Repayment Type: Interest Only
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<60
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.64%, Comparison Rate 6.54%
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
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.27%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
80-90
Minimum: 1 PERCENT Maximum: 1 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: 6.49%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Investment
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.48%
Repayment Type: Principal And Interest
Loan Purpose: Investment
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.96%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 7.05%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.44%, Comparison Rate 7.69%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Investment
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.29%, Comparison Rate 7.12%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.48%
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
<60
Lending Rate Type: Fixed
Interest Rate: 7.29%, Comparison Rate 6.61%
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
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.52%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.68%
Repayment Type: Interest Only
Loan Purpose: Investment
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.73%
Repayment Type: Interest Only
Loan Purpose: Investment
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 6.56%
Repayment Type: Interest Only
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
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.60%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.67%
Repayment Type: Principal And Interest
Loan Purpose: Investment
<80
Lending Rate Type: Variable
Interest Rate: 7.09%, Comparison Rate 6.25%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.48%
Repayment Type: Interest Only
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 6.19%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Investment
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.35%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.53%
Repayment Type: Interest Only
Loan Purpose: Investment
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.94%, Comparison Rate 7.02%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.83%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.37%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.49%
Repayment Type: Interest Only
Loan Purpose: Investment
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.29%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.39%, Comparison Rate 7.33%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 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: 6.04%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Investment
<60
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 6.26%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 8.34%, Comparison Rate 7.25%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
60-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.53%
Repayment Type: Principal And Interest
Loan Purpose: Investment
80-90
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 6.69%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.95%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
60-80
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 6.39%, Comparison Rate 6.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.98%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
90-95
Minimum: 1 PERCENT Maximum: 1 PERCENT
Lending Rate Type: Variable
Interest Rate: 7.24%, Comparison Rate 7.15%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
<60
Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.32%
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: Up to $5,000 over the Fixed Term period
Product Eligibility
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.
Min Age - 18.
Residency Status - Australian Residents.
Residency Status - Australian Citizen.
Natural Person
Bank Fees and Charges
Fixed Rate Lock Fee (Event), Amount: 600.00.
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.
Additional Valuation Fee (Event), 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 Heritage Isle Bank loans and continuing credit accounts
Stamp Duty (Upfront), Amount: 0.00.
Legal/securities Fees (Upfront), Amount: 0.00.
Issue Of Statutory Default Notice Legal Fees (Event), Amount: 0.00.
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
Production Of Title Fee (Upfront), Amount: 110.00.
Excess Valuation Fee (Event), Amount: 0.00.
Third Party Costs (Event), 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
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.
Mortgage Loan Top Up/increase In Credit Limit Fee (Event), Amount: 315.00.
Insurance (Upfront), Amount: 0.00.
Establishment Fee (Upfront), Amount: 600.00.
Other Government Duties & Taxes (Event), Amount: 0.00.
Pest & Building Inspections Fees (Event), Amount: 0.00.
Bridging Home Loan Establishment Fee (Event), Amount: 880.00.
Future Legal Costs And Disbursements Relating To Any Variations, Dealings, Discharges (Event), 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.
Dishonoured Member Cheque Fee (Event), Amount: 9.00.
Dishonoured Cheque Fee (Event), Amount: 9.00.
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.
Other Legal/ Solicitors Fees (Event), Amount: 0.00.
Independent Legal Advice/interpreter Service (Event), Amount: 0.00.
Stamp Duty Increase Fee (Event), Amount: 0.00.
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.
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.
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).
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
Second Mortgage Consent Fee (Event), Amount: 75.00. Additional Information: Payable when you ask us to consent to a second mortgage
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.
Additional Statement Fee (Event), Amount: 5.00. Additional Information: Payable when you request an additional statement
