The details shown below are for an owner occupier taking out a principal & interest, interest only loan of at least $50,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest, interest only loan of at least $50,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest, interest only loan of at least $50,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest, interest only loan of at least $50,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest, Interest Only | < 60% | $50,000 | |
| | Owner Occupier | Principal & Interest, Interest Only | < 80% | $50,000 | |
| | Owner Occupier | Principal & Interest, Interest Only | 80%-95% | $50,000 | |
| | Investor | Principal & Interest, Interest Only | < 90% | $50,000 |
Owner Occupier (Principal & Interest, Interest Only)
LVR < 60%
Loan: $50,000
Owner Occupier (Principal & Interest, Interest Only)
LVR < 80%
Loan: $50,000
Owner Occupier (Principal & Interest, Interest Only)
LVR 80%-95%
Loan: $50,000
Investor (Principal & Interest, Interest Only)
LVR < 90%
Loan: $50,000
Love low rates? Police Bank’s Goldrate Home Loan (Fixed) not only offers one, but four, competitive interest rates across all it’s fixed terms. Rates start at a low 2.69% (2.73% comparison rate*) on its three year fixed term for borrowers with LVRs up to 60%, plus this loan has no ongoing monthly fee and comes with bonus features like free extra repayments (up to $5,000) and a redraw facility if you need those additional repayments later down the track.
The Goldrate Home Loan (Fixed) offered by Police Bank ticks more than just one box. Across all four of its fixed terms, yes ALL it’s fixed terms, this loan offers rates below 3.00% for owner occupiers with a maximum LVR of 80%.
Check out these killer 1, 2, 3 and 5 year fixed rates:
1 year fixed rate: 2.19% (2.90% comparison rate*)
2 year fixed rate: 2.19% (2.84% comparison rate*)
3 year fixed rate: 2.79% (2.94% comparison rate*)
5 year fixed rate: 3.09% (2.99% comparison rate*)
And what about when your fixed term is up? Your rate will then revert to a low 2.89% variable rate!
Owner occupiers with LVRs up to 60% - either a 40% deposit or 40% in home equity - could snag even lower fixed rates, starting from 2.09% (2.74% comparison rate*) for two year terms.
All customers can borrow anywhere from $50,000 - just bear in mind though, for owner occupiers with an LVR over 80% up to 95%, the rates go up across all the fixed terms, starting from 2.29% (3.02% comparison rate*) over two years.
Plus, investor fixed rates start at 2.99% (3.32% comparison rate*) on its three year fixed term for borrowers with a maximum LVR of 90%.
If you look for flexibility when it comes to mortgage repayments, then Police Bank’s Goldrate Home Loan (Fixed) might just be for you. With this loan you have the choice of a weekly, fortnightly or monthly repayment schedule, plus, you can make extra repayments up to $5,000 and make use of a redraw facility if you need to.
And, if you apply and are approved by the 19 November 2021 and funded by 31 December 2021 you may be eligible for $1,500 cashback. Current serving Police, Department of Affairs and ABF Officers may also receive an additional $500 cashback on this loan.
This loan could be a good option for a borrower looking to lock in a competitive rate as well as have access to flexible repayment options.
There are no ongoing fees attached to this loan, however there are some cheeky one-offs to keep your eye on - such as the $545 application fee, $450 legal fee and $294 discharge fee.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.09% (2.80%*) | |
| 2.09% (2.74%*) | |
| 2.69% (2.83%*) | |
| n/a | |
| 2.99% (2.94%*) | |
| n/a | |
| n/a | |
| 2.79% p.a. |
| $545.00 | |
| $450.00 | |
| $0.00 | |
| $0.00 | |
| 0% | |
| $0.00 | |
| $294.00 |
| $50,000 | |
| none | |
| none | |
| 60.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $5,000 | |
| no | |
| yes - free | |
| none | |
| no | |
| no | |
| none | |
| none | |
| $1,500 cashback (an additional $500 for currently serving Police Officers) with $150k in new loans or top up of existing loans for applications by 19 Nov and funded by 31 Dec 2021. $545 Establishment fee waived for Owner Occupiers loans of $250k. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.19% (2.90%*) | |
| 2.19% (2.84%*) | |
| 2.79% (2.94%*) | |
| n/a | |
| 3.09% (2.79%*) | |
| n/a | |
| n/a | |
| 2.89% p.a. |
| $545.00 | |
| $450.00 | |
| $0.00 | |
| $0.00 | |
| 0% | |
| $0.00 | |
| $294.00 |
| $50,000 | |
| none | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $5,000 | |
| no | |
| yes - free | |
| none | |
| no | |
| no | |
| none | |
| none | |
| $1,500 cashback (an additional $500 for currently serving Police Officers) with $150k in new loans or top up of existing loans for applications by 19 Nov and funded by 31 Dec 2021. $545 Establishment fee waived for Owner Occupiers loans of $250k. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.29% (3.09%*) | |
| 2.29% (3.02%*) | |
| 2.99% (3.13%*) | |
| n/a | |
| 3.29% (3.24%*) | |
| n/a | |
| n/a | |
| 3.09% p.a. |
| $545.00 | |
| $450.00 | |
| $0.00 | |
| $0.00 | |
| 0% | |
| $0.00 | |
| $294.00 |
| $50,000 | |
| none | |
| 80.00% | |
| 95.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $5,000 | |
| no | |
| yes - free | |
| none | |
| no | |
| no | |
| none | |
| none | |
| $1,500 cashback (an additional $500 for currently serving Police Officers) with $150k in new loans or top up of existing loans for applications by 19 Nov and funded by 31 Dec 2021. $545 Establishment fee waived for Owner Occupiers loans of $250k. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.99% (3.15%*) | |
| 2.99% (3.14%*) | |
| 2.99% (3.13%*) | |
| n/a | |
| 3.29% (3.24%*) | |
| n/a | |
| n/a | |
| 3.09% p.a. |
| $545.00 | |
| $450.00 | |
| $0.00 | |
| $0.00 | |
| 0% | |
| $0.00 | |
| $294.00 |
| $50,000 | |
| none | |
| none | |
| 90.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $5,000 | |
| no | |
| yes - free | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $1,500 cashback (an additional $500 for currently serving Police Officers) with $150k in new loans or top up of existing loans for applications by 19 Nov and funded by 31 Dec 2021. $545 Establishment fee waived for Owner Occupiers loans of $250k. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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2.21% p.a.
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2.49% p.a.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
