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Home Loans
Every sort of loan, for every sort of home
Why choose us?
The bank for Police
We were created by Police for Police. For 60 years we've worked hard to help Police officers – both serving and retired - family, friends and the communities you serve right across Australia.
Member owned, member first
Because we’re owned by you, you benefit from competitive rates and fewer fees, along with service that’s focused on you. Our products and services are built to serve the needs of the police community first.
We’re big on security and big on service
Just like the big banks, we need to meet the same high standards and protocols to ensure your banking is safe and secure. But unlike the big banks, we’re not here to make big profits. We’re here to help you reach your financial goals with service that’s focused on your needs, not ours.
We’re part of your community
We know what matters to you. That’s why we support Police Legacy and associations and sponsor sporting teams and special events within the Police community.
Choose a loan that’s right for you
How much could you save with Police Bank’s competitive rates?
Police Value
Our best value loan — for current and retired employees of an Australian Police Force.
Goldrate
If you’re a friend or family member of a Police employee, enjoy our Goldrate option.
First Home Loan
If you qualify for the Housing Australia scheme, we’ll help you get into your first home with as little as 5% deposit.
Home Loans that work harder for you
Flexible features for every stage of life
- Option to split your loan into variable and fixed portions
- Reduce the interest you pay with the benefit of an offset account
- Choose repayment options that suit you best – weekly, fortnightly, monthly
- Secure your loan with as little as 5% deposit – owner-occupied only
Keep more of your money with no ongoing fees
- No monthly fee
- No annual fee
- Make additional payments at no extra cost
- Additional payments available for redraw
Stop wondering and start moving
- Our lenders are dedicated to helping find the loan that’s right for you
- Get conditional approval in 72 hours
Ready to apply? Let’s get started
Apply now in 3 easy steps!
01
Choose your loan
Find the loan that best suits you. We’ve made it fast and easy for you to tailor the loan with all the features that suit you best.
02
Save your application
Once you’ve lodged your application we’ll review it to make sure it suits your needs and your budget. You can usually get conditional approval within 72 hours.
03
Any questions? Let’s talk
We’re here to help at every step. Call us on 131 728 or click on the ‘contact us’ button to send us a message. We’ll get back to you shortly.
Refinancing
Refinance your current home loan with a great rate from Police Bank. You could save more with no ongoing monthly or annual fees and additional repayments.
Find out more
Thinking of investing?
Take your next step with Police Bank. Let’s talk about your plans and help you find the investment loan that will work hardest for you.
Request a call back
First home loan schemes
If you’re buying your first home you may qualify for the Housing Australia scheme. Get moving with as little as 5% deposit and a great Police Bank rate.
Read moreFAQs
We’re here to help. If you can’t find the answer you’re looking for, click on the contact button to speak to us.
Ready to apply for a Home Loan?
From hands-on help with your application to conditional approval within 72 hours
Free Property Report
Access your two free downloadable property reports for when you’re looking to buy, sell or want an overall property snapshot.
Get My Free Property Report
Important Information
⁺Cashback Terms & Conditions, two and three year fixed rates
⁺To be eligible for the Police Bank cashback offer, applicants must be refinancing an existing Owner Occupied home loan of $300,000 or more from another financial institution (excluding Border Bank and Bank of Heritage Isle) with a salary credited directly to a Police Bank account. Only applicable for 2- or 3-year fixed rate home loans. The offer is only available to applicants who apply and are approved from 18/03/2024- 30/6/2024. Eligible loans must settle within 90 days of application.
The cashback is only available once to each individual or joint applicant(s). The cashback amount will be credited to either the primary transaction account for single borrowers or a joint account with the primary borrower within 60 days of settlement. The salary credit must be set up within 60 days from loan settlement. If multiple loans apply, all loans must be funded before the total cashback is assessed and paid. The total sum of all loans funded must exceed $ 300,000. This offer is not available in conjunction with any other offer, bonus or discount. We reserve the right to withdraw this offer and/or alter the offer period at any time.
This offer is available to all fixed rate OO, P&I loans excluding loans guaranteed through the Housing Australia schemes.
* Terms, conditions, fees, charges, eligibility and lending criteria apply.
- There is a Rate Lock in fee of $600
- Interest rates are subject to change and we may vary the rate offered at any time without prior notice to you. To find out our home loan rates please click here.
- ^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.
- Lenders Mortgage insurance (LMI) is applicable on all loans with an LVR of above 80%.
- Early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change.