Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 60% | $50,000 | |
|
Owner Occupier | Principal & Interest | 60%-80% | $50,000 | |
|
Owner Occupier | Principal & Interest | 80%-95% | $50,000 | |
|
Owner Occupier | Interest Only | < 60% | $50,000 | |
|
Owner Occupier | Interest Only | 60%-80% | $50,000 | |
|
Owner Occupier | Interest Only | 80%-95% | $50,000 | |
|
Investor | Principal & Interest | < 60% | $50,000 | |
|
Investor | Principal & Interest | 60%-80% | $50,000 | |
|
Investor | Principal & Interest | 80%-90% | $50,000 | |
|
Investor | Interest Only | < 60% | $50,000 | |
|
Investor | Interest Only | 60%-80% | $50,000 | |
|
Investor | Interest Only | 80%-90% | $50,000 |
Police Bank’s Goldrate Home Loan fixed rates start at 5.79% p.a. (5.89% 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 offered by Police Bank ticks more than just one box. Owner Occupier fixed 3 year rates start at 5.79% (5.89% p.a. comparison rate*).
Plus, investor fixed rates start at 6.29% (6.41% comparison rate*) on its three year fixed term for borrowers with a maximum LVR of 60%.
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 $600 application fee, $450 legal fee and $294 discharge fee.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.39% (6.42%*) |
|
5.99% (6.35%*) |
|
5.79% (6.26%*) |
|
n/a |
|
6.79% (6.62%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.44% (6.43%*) |
|
5.99% (6.35%*) |
|
5.79% (6.26%*) |
|
n/a |
|
6.84% (6.64%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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 |
|
no |
|
no |
|
none |
|
$600 fixed rate lock fee available. |
|
none |
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 |
|
6.49% (6.44%*) |
|
5.99% (6.35%*) |
|
5.79% (6.26%*) |
|
n/a |
|
6.89% (6.67%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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 |
|
$600 fixed rate lock fee available. |
|
none |
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 |
|
6.59% (6.45%*) |
|
7.09% (6.57%*) |
|
7.39% (6.73%*) |
|
n/a |
|
8.44% (7.38%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.64% (6.45%*) |
|
7.14% (6.58%*) |
|
7.39% (6.73%*) |
|
n/a |
|
8.49% (7.41%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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 |
|
no |
|
no |
|
none |
|
$600 fixed rate lock fee available. |
|
none |
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 |
|
6.69% (6.46%*) |
|
7.19% (6.59%*) |
|
7.39% (6.73%*) |
|
n/a |
|
8.54% (7.43%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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 |
|
$600 fixed rate lock fee available. |
|
none |
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 |
|
6.59% (6.45%*) |
|
6.29% (6.41%*) |
|
6.54% (6.69%*) |
|
n/a |
|
7.19% (6.80%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.64% (6.45%*) |
|
6.29% (6.41%*) |
|
6.54% (6.85%*) |
|
n/a |
|
7.24% (6.82%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.69% (6.46%*) |
|
6.39% (6.43%*) |
|
6.54% (7.05%*) |
|
n/a |
|
7.29% (6.85%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.89% (6.48%*) |
|
6.59% (6.47%*) |
|
6.84% (6.77%*) |
|
n/a |
|
7.49% (6.94%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.94% (6.48%*) |
|
6.64% (6.48%*) |
|
6.84% (6.85%*) |
|
n/a |
|
7.54% (6.96%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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 |
|
6.99% (6.49%*) |
|
6.69% (6.49%*) |
|
6.84% (7.13%*) |
|
n/a |
|
7.59% (6.98%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$600.00 |
|
$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. |
|
none |
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.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.15% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% 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.