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 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 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 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 | 80%-95% | $50,000 | |
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Owner Occupier | Principal & Interest, Interest Only | 60%-80% | $50,000 | |
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Owner Occupier | Principal & Interest, Interest Only | < 60% | $50,000 | |
|
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Investor | Principal & Interest, Interest Only | < 60% | $50,000 | |
|
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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 80%-95%
Loan: $50,000
Owner Occupier (Principal & Interest, Interest Only)
LVR 60%-80%
Loan: $50,000
Owner Occupier (Principal & Interest, Interest Only)
LVR < 60%
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
If you’re a girl or boy in blue, then this could be the home loan for you! The Police Bank Goldrate Home Loan offers variable interest rates starting at 3.79% p.a. (3.96% p.a. comparison rate*) on loans with LVRs up to 80%, although owner occupiers can borrow as much as 95% of the property value if needed (higher rates apply). Police Bank rewards its hard-working members with amazing products, and with free extra repayments and a free loan redraw facility the Police Bank Goldrate Home Loan is no exception.
If you’re a member of the Australian police force looking to buy a new home, then the Police Bank Goldrate Home Loan could be worth a look. It offers competitive variable interest rates of 3.79% p.a. (3.96% p.a. comparison rate*) for owner occupiers with a maximum LVR of 80%.
Owner occupiers with LVRs up to 95% can also access a home loan with Police Bank, although rates start slightly higher at 4.29% p.a. (4.37% p.a. comparison rate*). Finally, the Police Bank Goldrate Home Loan offers its lowest rates to owner occupiers with LVRs below 60%, with rates starting from just 3.79% p.a. (3.96% p.a. comparison rate*).
The Police Bank Goldrate Home Loan is also jam-packed with high-value flexible features, such as free extra loan repayments and a free redraw facility, meaning you’ll be able to pay your loan off as quickly as you’d like. This loan offers weekly, fortnightly or monthly repayments, meaning you’ll have the freedom to tailor your repayment cycle around your lifestyle.
Another great feature about the Police Bank Goldrate Home Loan is that there are no ongoing service or settlement fee charges to set you back. Just bear in mind, that there are some expensive upfront fees to keep an eye out for, like the $545 application fee and $294 discharge fee.
If you or a family member works in the Australian police work, then the Police Bank Goldrate Home Loan could be a an option worth considering.
Just remember to weigh up the cost of those upfront fees, which are on the more expensive side (relatively). Also if you're borrowing more than 80% of the property value, you may need to pay Lenders Mortgage Insurance.
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4.29% p.a. |
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n/a |
|
|
n/a |
|
|
n/a |
|
|
4.37% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
80.00% |
|
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95.00% |
|
Owner Occupier |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
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yes - free |
|
|
no |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
$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 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.
|
3.89% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.96% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
$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.
|
3.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
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3.86% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Owner Occupier |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
$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.
|
3.99% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.06% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
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yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes - available for principal & interest loans |
|
|
none |
|
|
none |
|
|
$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.
|
4.09% p.a. |
|
|
n/a |
|
|
n/a |
|
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n/a |
|
|
4.16% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes - available for principal & interest loans |
|
|
none |
|
|
none |
|
|
$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.
|
4.29% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.36% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$545.00 |
|
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
0% |
|
|
$0.00 |
|
|
$294.00 |
|
$50,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes - available for principal & interest loans |
|
|
none |
|
|
none |
|
|
$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.
The variety of products the Police Bank offer covers a very wide range of needs. Their loan process is simple and easily understood, and their customer service is also very good.
Read full reviewThe variety of products the Police Bank offer covers a very wide range of needs. Their loan process is simple and easily understood, and their customer service is also very good.
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$0.00
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.
