Home Loan Interest Rates

OWNER OCCUPIED

FIRST HOME LOAN⁵ (L28)
80% – 95% LVR
Variable Rate 5.84% p.a.	Comparison Rate* 5.92% p.a.
1 Year Fixed Rate 6.29% p.a.	Comparison Rate* 5.96% p.a.
2 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.91% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.85% p.a.
5 Year Fixed Rate 6.69% p.a.	Comparison Rate* 6.29% p.a.

FIRST HOME LOAN – INTEREST ONLY⁵ (L28)
80% – 95% LVR
Variable Rate 5.84% p.a.	Comparison Rate* 5.91% p.a.
1 Year Fixed Rate 6.29% p.a.	Comparison Rate* 5.96% p.a.
2 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.91% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.85% p.a.

GOLDRATE HOME LOAN (L21)
UP TO 60% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 6.42% p.a.
1 Year Fixed Rate 6.39% p.a.	Comparison Rate* 6.42% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.35% p.a.
3 Year Fixed Rate 5.79% p.a.	Comparison Rate* 6.26% p.a.
5 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.62% p.a.
UP TO 80% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.52% p.a.
1 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.52% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.43% p.a.
3 Year Fixed Rate 5.79% p.a.	Comparison Rate* 6.33% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.70% p.a.
UP TO 95% LVR Available For The ACT Land Rent Scheme With LVR Up To 90%
Variable Rate 7.04% p.a.	Comparison Rate* 7.12% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 7.06% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.91% p.a.
3 Year Fixed Rate 5.79% p.a.	Comparison Rate* 6.76% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 7.05% p.a.

GOLDRATE HOME LOAN – INTEREST ONLY (L21)
UP TO 60% LVR
Variable Rate 6.64% p.a.	Comparison Rate* 6.54% p.a.
1 Year Fixed Rate 6.59% p.a.	Comparison Rate* 6.44% p.a.
2 Year Fixed Rate 7.09% p.a.	Comparison Rate* 6.57% p.a.
3 Year Fixed Rate 7.39% p.a.	Comparison Rate* 6.72% p.a.
5 Year Fixed Rate 8.44% p.a.	Comparison Rate* 7.35% p.a.
UP TO 80% LVR
Variable Rate 6.74% p.a.	Comparison Rate* 6.64% p.a.
1 Year Fixed Rate 6.64% p.a.	Comparison Rate* 6.54% p.a.
2 Year Fixed Rate 7.14% p.a.	Comparison Rate* 6.66% p.a.
3 Year Fixed Rate 7.39% p.a.	Comparison Rate* 6.79% p.a.
5 Year Fixed Rate 8.49% p.a.	Comparison Rate* 7.43% p.a.
UP TO 95% LVR
Variable Rate 7.34% p.a.	Comparison Rate* 7.25% p.a.
1 Year Fixed Rate 6.69% p.a.	Comparison Rate* 7.08% p.a.
2 Year Fixed Rate 7.19% p.a.	Comparison Rate* 7.15% p.a.
3 Year Fixed Rate 7.39% p.a.	Comparison Rate* 7.22% p.a.
5 Year Fixed Rate 8.54% p.a.	Comparison Rate* 7.80% p.a.

POLICE VALUE HOME LOAN³ (L23)
UP TO 60% LVR
Variable Rate 6.24% p.a.	Comparison Rate* 6.32% p.a.
1 Year Fixed Rate 6.29% p.a.	Comparison Rate* 6.32% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.27% p.a.
3 Year Fixed Rate 5.79% p.a.	Comparison Rate* 6.19% p.a.
5 Year Fixed Rate 6.69% p.a.	Comparison Rate* 6.52% p.a.
UP TO 90% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 6.42% p.a.
1 Year Fixed Rate 6.34% p.a.	Comparison Rate* 6.42% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.35% p.a.
3 Year Fixed Rate 5.79% p.a.	Comparison Rate* 6.26% p.a.
5 Year Fixed Rate 6.74% p.a.	Comparison Rate* 6.60% p.a.
UP TO 95% LVR Available For The ACT Land Rent Scheme With LVR Up To 90%
Variable Rate 6.94% p.a.	Comparison Rate* 7.02% p.a.
1 Year Fixed Rate 6.39% p.a.	Comparison Rate* 6.96% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.83% p.a.
3 Year Fixed Rate 5.79% p.a.	Comparison Rate* 6.69% p.a.
5 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.95% p.a.

POLICE VALUE HOME LOAN – INTEREST ONLY³ (L23)
UP TO 60% LVR
Variable Rate 6.54% p.a.	Comparison Rate* 6.44% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.34% p.a.
2 Year Fixed Rate 6.99% p.a.	Comparison Rate* 6.46% p.a.
3 Year Fixed Rate 7.29% p.a.	Comparison Rate* 6.61% p.a.
5 Year Fixed Rate 8.34% p.a.	Comparison Rate* 7.25% p.a.
UP TO 90% LVR
Variable Rate 6.64% p.a.	Comparison Rate* 6.54% p.a.
1 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.44% p.a.
2 Year Fixed Rate 7.04% p.a.	Comparison Rate* 6.56% p.a.
3 Year Fixed Rate 7.29% p.a.	Comparison Rate* 6.69% p.a.
5 Year Fixed Rate 8.39% p.a.	Comparison Rate* 7.33% p.a.
UP TO 95% LVR
Variable Rate 7.24% p.a.	Comparison Rate* 7.15% p.a.
1 Year Fixed Rate 6.59% p.a.	Comparison Rate* 6.98% p.a.
2 Year Fixed Rate 7.09% p.a.	Comparison Rate* 7.05% p.a.
3 Year Fixed Rate 7.29% p.a.	Comparison Rate* 7.12% p.a.
5 Year Fixed Rate 8.44% p.a.	Comparison Rate* 7.69% p.a.

BRIDGING HOME LOAN – INTEREST ONLY
UP TO 80% LVR
Variable Rate 7.09% p.a.	Comparison Rate* 6.25% p.a.

INVESTMENT – LVR up to 90%

GOLDRATE HOME LOAN (L21)
UP TO 60% LVR
Variable Rate 6.64% p.a.	Comparison Rate* 6.72% p.a.
1 Year Fixed Rate 6.59% p.a.	Comparison Rate* 6.72% p.a.
2 Year Fixed Rate 6.29% p.a.	Comparison Rate* 6.65% p.a.
3 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.69% p.a.
5 Year Fixed Rate 7.19% p.a.	Comparison Rate* 6.97% p.a.
UP TO 80% LVR
Variable Rate 6.74% p.a.	Comparison Rate* 6.82% p.a.
1 Year Fixed Rate 6.64% p.a.	Comparison Rate* 6.81% p.a.
2 Year Fixed Rate 6.29% p.a.	Comparison Rate* 6.73% p.a.
3 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.76% p.a.
5 Year Fixed Rate 7.24% p.a.	Comparison Rate* 7.05% p.a.
UP TO 90% LVR
Variable Rate 7.14% p.a.	Comparison Rate* 7.22% p.a.
1 Year Fixed Rate 6.69% p.a.	Comparison Rate* 7.17% p.a.
2 Year Fixed Rate 6.39% p.a.	Comparison Rate* 7.07% p.a.
3 Year Fixed Rate 6.54% p.a.	Comparison Rate* 7.05% p.a.
5 Year Fixed Rate 7.29% p.a.	Comparison Rate* 7.29% p.a.

GOLDRATE HOME LOAN – INTEREST ONLY (L21)
UP TO 60% LVR
Variable Rate 6.84% p.a.	Comparison Rate* 6.80% p.a.
1 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.75% p.a.
2 Year Fixed Rate 6.59% p.a.	Comparison Rate* 6.71% p.a.
3 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.77% p.a.
5 Year Fixed Rate 7.49% p.a.	Comparison Rate* 7.09% p.a.
UP TO 80% LVR
Variable Rate 6.94% p.a.	Comparison Rate* 6.90% p.a.
1 Year Fixed Rate 6.94% p.a.	Comparison Rate* 6.84% p.a.
2 Year Fixed Rate 6.64% p.a.	Comparison Rate* 6.80% p.a.
3 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.85% p.a.
5 Year Fixed Rate 7.54% p.a.	Comparison Rate* 7.17% p.a.
UP TO 90% LVR
Variable Rate 7.34% p.a.	Comparison Rate* 7.31% p.a.
1 Year Fixed Rate 6.99% p.a.	Comparison Rate* 7.21% p.a.
2 Year Fixed Rate 6.69% p.a.	Comparison Rate* 7.13% p.a.
3 Year Fixed Rate 6.84% p.a.	Comparison Rate* 7.13% p.a.
5 Year Fixed Rate 7.59% p.a.	Comparison Rate* 7.42% p.a.

POLICE VALUE HOME LOAN³(L23)
UP TO 60% LVR
Variable Rate 6.54% p.a.	Comparison Rate* 6.62% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.62% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.55% p.a.
3 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.59% p.a.
5 Year Fixed Rate 7.09% p.a.	Comparison Rate* 6.87% p.a.
UP TO 80% LVR
Variable Rate 6.64% p.a.	Comparison Rate* 6.72% p.a.
1 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.71% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.63% p.a.
3 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.66% p.a.
5 Year Fixed Rate 7.14% p.a.	Comparison Rate* 6.95% p.a.
UP TO 90% LVR
Variable Rate 7.04% p.a.	Comparison Rate* 7.12% p.a.
1 Year Fixed Rate 6.59% p.a.	Comparison Rate* 7.07% p.a.
2 Year Fixed Rate 6.29% p.a.	Comparison Rate* 6.97% p.a.
3 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.95% p.a.
5 Year Fixed Rate 7.19% p.a.	Comparison Rate* 7.19% p.a.

POLICE VALUE HOME LOAN – INTEREST ONLY³ (L23)
UP TO 60% LVR
Variable Rate 6.74% p.a.	Comparison Rate* 6.70% p.a.
1 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.65% p.a.
2 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.61% p.a.
3 Year Fixed Rate 6.74% p.a.	Comparison Rate* 6.67% p.a.
5 Year Fixed Rate 7.39% p.a.	Comparison Rate* 6.99% p.a.
UP TO 80% LVR
Variable Rate 6.84% p.a.	Comparison Rate* 6.80% p.a.
1 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.74% p.a.
2 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.70% p.a.
3 Year Fixed Rate 6.74% p.a.	Comparison Rate* 6.75% p.a.
5 Year Fixed Rate 7.44% p.a.	Comparison Rate* 7.07% p.a.
UP TO 90% LVR
Variable Rate 7.24% p.a.	Comparison Rate* 7.20% p.a.
1 Year Fixed Rate 6.89% p.a.	Comparison Rate* 7.10% p.a.
2 Year Fixed Rate 6.59% p.a.	Comparison Rate* 7.03% p.a.
3 Year Fixed Rate 6.74% p.a.	Comparison Rate* 7.03% p.a.
5 Year Fixed Rate 7.49% p.a.	Comparison Rate* 7.32% p.a.

Terms & Conditions

Ref: 550

Full terms and conditions are available on application. Fees and charges apply. For credit products, lending criteria apply.

* For all Police Bank Home Loans, the comparison rate is based on a loan of $150,000 over a 25 year term. For all Police Bank Car and Personal Loans, the comparison rate is based on a loan of $30,000 over a 5 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.

³ Police Value Home Loan is only available to Current and Retired Employees of an Australian Police Force or Police organisation, uniformed or civilian.

⁵ The First Home Loan is only available for applicants that qualify for the Housing Australia. Interest Only is only applicable for construction purposes.