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 90%
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 60%
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 80%
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 | |
|---|---|---|---|---|---|
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|
Owner Occupier | Principal & Interest, Interest Only | < 60% | $50,000 | |
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Owner Occupier | Principal & Interest, Interest Only | < 90% | $50,000 | |
|
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Owner Occupier | Principal & Interest, Interest Only | 90%-95% | $50,000 | |
|
|
Investor | Principal & Interest, Interest Only | < 60% | $50,000 | |
|
|
Investor | Principal & Interest, Interest Only | 60%-80% | $50,000 | |
|
|
Investor | Principal & Interest, Interest Only | 80%-90% | $50,000 |
Owner Occupier (Principal & Interest, Interest Only)
LVR < 60%
Loan: $50,000
Owner Occupier (Principal & Interest, Interest Only)
LVR < 90%
Loan: $50,000
Owner Occupier (Principal & Interest, Interest Only)
LVR 90%-95%
Loan: $50,000
Investor (Principal & Interest, Interest Only)
LVR < 60%
Loan: $50,000
Investor (Principal & Interest, Interest Only)
LVR 60%-80%
Loan: $50,000
Investor (Principal & Interest, Interest Only)
LVR 80%-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 4.79% p.a. (4.12% p.a. 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. Check out these 1, 2, 3 and 5 year fixed rates for borrowers with an LVR of 60-90%:
1 year fixed rate: 4.29% (4.00% comparison rate*)
2 year fixed rate: 4.84% (4.13% comparison rate*)
3 year fixed rate: 4.79% (4.20% comparison rate*)
5 year fixed rate: 5.64% (4.69% comparison rate*)
And what about when your fixed term is up? Your rate will then revert to a low 4.09% 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 4.79% (4.04% comparison rate*) for two year terms.
Plus, investor fixed rates start at 4.39% (4.10% comparison rate*) on its one year fixed term for borrowers with a maximum LVR of 80%.
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.
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.
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n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.29% (3.91%*) |
|
|
4.79% (4.04%*) |
|
|
4.79% (4.12%*) |
|
|
n/a |
|
|
5.59% (4.61%*) |
|
|
n/a |
|
|
n/a |
|
|
3.79% 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 |
|
|
$600 fixed rate lock fee available. |
|
|
$1,500 cashback for loans $300k > $499,999, $3,000 cash back for loans from $500k > $749,999 and $4,000 for larger loans. for Loans must be approved by 30/9/22 and settled within 90 days. $545 Establishment fee waived for Owner Occupier loans > $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 |
|
|
4.29% (4.00%*) |
|
|
4.84% (4.13%*) |
|
|
4.79% (4.20%*) |
|
|
n/a |
|
|
5.64% (4.69%*) |
|
|
n/a |
|
|
n/a |
|
|
3.89% 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 |
|
|
no |
|
|
no |
|
|
none |
|
|
$600 fixed rate lock fee available. |
|
|
$1,500 cashback for loans $300k > $499,999, $3,000 cash back for loans from $500k > $749,999 and $4,000 for larger loans. for Loans must be approved by 30/9/22 and settled within 90 days. $545 Establishment fee waived for Owner Occupier loans > $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 |
|
|
4.29% (4.36%*) |
|
|
4.89% (4.47%*) |
|
|
4.79% (4.49%*) |
|
|
n/a |
|
|
5.69% (4.95%*) |
|
|
n/a |
|
|
n/a |
|
|
4.29% p.a. |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
90.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 |
|
|
no |
|
|
yes - free |
|
|
none |
|
|
no |
|
|
no |
|
|
none |
|
|
$600 fixed rate lock fee available. |
|
|
$1,500 cashback for loans $300k > $499,999, $3,000 cash back for loans from $500k > $749,999 and $4,000 for larger loans. for Loans must be approved by 30/9/22 and settled within 90 days. $545 Establishment fee waived for Owner Occupier loans > $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 |
|
|
4.39% (4.10%*) |
|
|
4.89% (4.22%*) |
|
|
4.89% (4.30%*) |
|
|
n/a |
|
|
5.69% (4.78%*) |
|
|
n/a |
|
|
n/a |
|
|
3.99% 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 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$600 fixed rate lock fee available. |
|
|
$1,500 cashback for loans $300k > $499,999, $3,000 cash back for loans from $500k > $749,999 and $4,000 for larger loans. for Loans must be approved by 30/9/22 and settled within 90 days. $545 Establishment fee waived for Owner Occupier loans > $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 |
|
|
4.39% (4.19%*) |
|
|
4.89% (4.31%*) |
|
|
4.89% (4.37%*) |
|
|
n/a |
|
|
5.74% (4.86%*) |
|
|
n/a |
|
|
n/a |
|
|
4.09% p.a. |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 |
|
|
no |
|
|
yes - free |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
$600 fixed rate lock fee available. |
|
|
$1,500 cashback for loans $300k > $499,999, $3,000 cash back for loans from $500k > $749,999 and $4,000 for larger loans. for Loans must be approved by 30/9/22 and settled within 90 days. $545 Establishment fee waived for Owner Occupier loans > $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 |
|
|
4.39% (4.37%*) |
|
|
4.89% (4.47%*) |
|
|
4.89% (4.52%*) |
|
|
n/a |
|
|
5.79% (5.00%*) |
|
|
n/a |
|
|
n/a |
|
|
4.29% p.a. |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 |
|
|
no |
|
|
yes - free |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
$600 fixed rate lock fee available. |
|
|
$1,500 cashback for loans $300k > $499,999, $3,000 cash back for loans from $500k > $749,999 and $4,000 for larger loans. for Loans must be approved by 30/9/22 and settled within 90 days. $545 Establishment fee waived for Owner Occupier loans > $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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3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% 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.
