Police Bank home loan reviews

Police Bank
Police Bank's overall rating for home loans

(as rated by the Mozo community)

8.5 / 10

based on 26 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Police Bank

Recent Police Bank home loan reviews

Police Bank

Police Bank Premium Home Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Great personalised service

Great personal customer service

Full review

Great personal customer service

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Genny, Australian Capital Territory, reviewed over 3 years ago

Police Bank

Police Bank home loan review

Overall rating   8 / 10

Trustworthy

Trustworthy and excellent online banking security

Full review

Trustworthy and excellent online banking security

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Matthew, New South Wales, reviewed about 4 years ago

Police Bank

Police Bank home loan review

Overall rating   10 / 10

The perfect bank

I love this credit union. Rates are fair. Customer service is outstanding.

Full review

I love this credit union. Rates are fair. Customer service is outstanding.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Belinda, New South Wales, reviewed over 4 years ago

Police Bank

Police Bank home loan review

Overall rating   9 / 10

Best customer service and great range of products

A professional bank that treats you more like a family member. Always great service and friendly smiles. They will always go out of their way to help you. Great products too.

Full review

A professional bank that treats you more like a family member. Always great service and friendly smiles. They will always go out of their way to help you. Great products too.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jen, New South Wales, reviewed almost 5 years ago

Police Bank

Police Bank home loan review

Overall rating   9 / 10

Highly recommended bank.

Great pricing for all services. Very trustworthy company. Highly recommended.

Full review

Great pricing for all services. Very trustworthy company. Highly recommended.

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   8 / 10

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Vanessa, New South Wales, reviewed over 5 years ago

Police Bank

Police Bank Premium Home Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Great website and customer service

Police credit bank is great. You do need someone to refer you to them to be able to join the bank. It is worth while to be in but the nearest branch is in the city. You can access your bank account through a Westpac ATM, online or phone banking....

Full review

Police credit bank is great. You do need someone to refer you to them to be able to join the bank. It is worth while to be in but the nearest branch is in the city. You can access your bank account through a Westpac ATM, online or phone banking. The staff are extremely helpful and are always willing to whatever you require.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   10 / 10

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Name not supplied, Victoria, reviewed over 5 years ago

Police Bank

Police Bank home loan review

Overall rating   3 / 10

Interest rate is good but should be better

Police Credit Union service is ordinary and difficult to change given lack of outlets.

Full review

Police Credit Union service is ordinary and difficult to change given lack of outlets.

    Price   3 / 10

    Features   7 / 10

    Customer service   3 / 10

    Convenience   1 / 10

    Trust   4 / 10

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Name not supplied, New South Wales, reviewed over 5 years ago

Police Bank

Police Bank home loan review

Overall rating   8 / 10

A home loan that gives you some control

Having a variable home loan, the drop in interest rates has worked in my favour. I have the flexibility to pay the loan off early and pay that little bit extra which reduces the overall duration of the loan. There is a re-draw facility, in case...

Full review

Having a variable home loan, the drop in interest rates has worked in my favour. I have the flexibility to pay the loan off early and pay that little bit extra which reduces the overall duration of the loan. There is a re-draw facility, in case of emergency.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Name not supplied, New South Wales, reviewed over 5 years ago

Police Bank

Police Bank Premium Home Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Competitive rates, helpful, caring customer servic

I have banked with the Police Bank since 1973. I have found them to be helpful, competitive and willing to go the extra distance to retain a customer. No complaints whatsoever.

Full review

I have banked with the Police Bank since 1973. I have found them to be helpful, competitive and willing to go the extra distance to retain a customer. No complaints whatsoever.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Name not supplied, New South Wales, reviewed over 5 years ago

Police Bank

Police Bank home loan review

Overall rating   8 / 10

Reliable and consistent customer service

Minimal fees, efficient with their customer queries and complaints.

Full review

Minimal fees, efficient with their customer queries and complaints.

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   8 / 10

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Neryllee, Victoria, reviewed almost 6 years ago

Police Bank

Police Bank home loan review

Overall rating   9 / 10

Treat you like a person, not a number!

Police Bank were fantastic in assisting us to set up our mortgage for our first home and allowed us to borrow the Lenders Mortgage Insurance that a lot of other banks would not allow due to our age. Because my partner is a police offer we were...

Full review

Police Bank were fantastic in assisting us to set up our mortgage for our first home and allowed us to borrow the Lenders Mortgage Insurance that a lot of other banks would not allow due to our age. Because my partner is a police offer we were offered an extremely low interest rate and they offered me the same low rate for my car loan which meant that I was able to transfer my car loan to them so all our finances are under the one roof! Instead of dreading visiting the bank, we look forward to chatting to their friendly (and funny) staff as they always clear up our confusion and put our worries at ease. I would recommend the Police Bank to anyone

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Rebecca, New South Wales, reviewed almost 6 years ago

Police Bank

Police Bank home loan review

Overall rating   10 / 10

Excellent service and very competitive rates

It is convenient, the personnel ask the right questions and based on your answers they can suggest what loan is right for you and tell you about the benefits associated with it, such as offset, extra repayments, interest rates, comparision, length...

Full review

It is convenient, the personnel ask the right questions and based on your answers they can suggest what loan is right for you and tell you about the benefits associated with it, such as offset, extra repayments, interest rates, comparision, length of terms, available business hours otherwise internet banking and also telephone banking, no problem is too big, happy to oblige, with different accounts and or just to inform you of options, quick to pass on interest rate cuts, and also investment rates if needed, if busy leave a message and THEY DO ring you back within a short period of time. Always informative.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Peter, New South Wales, reviewed almost 6 years ago

Police Bank

Police Bank Premium Home Loan (Owner Occupier) home loan review

Overall rating   7 / 10

Great customer service with competative rates.

The face to face customer service is great - approachable and friendly. Just a pity that there are so few branches around. Over the phone customer service is good, never have to wait long and always helpful with the outcome being that issue is...

Full review

The face to face customer service is great - approachable and friendly. Just a pity that there are so few branches around. Over the phone customer service is good, never have to wait long and always helpful with the outcome being that issue is resolved. Interest rates for Premium Home Loan are competative, but definitely not the lowest. Only complaint is the always changing/conflicting advice as to what action to take when interst rates drop ie "take no action if you accept the rate change" and yet other times I am advised to "confirm in writing" TO ACCEPT to rate change!!

    Price   6 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   0 / 10

    Trust   9 / 10

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Nicole, New South Wales, reviewed over 6 years ago

Police Bank

Police Bank home loan review

Overall rating   10 / 10

Would recommend them in a heart beat

I have been a member of the Community First Credit Union for years and so have all my family members. They do exactly what their name suggests, they put the community FIRST! You are never just a number there. The staff are always very...

Full review

I have been a member of the Community First Credit Union for years and so have all my family members. They do exactly what their name suggests, they put the community FIRST! You are never just a number there. The staff are always very friendly, courteous & helpful. It makes you feel like you are part of a big family, not just a banking facility. There is only one thing that I don't like and that is I don't have a branch near me, the closest is 40 mins away but their online services make up some of the short fall as it is very user friendly and I never have any difficulties getting what I need done on there. I would recommend them in a heart beat.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   9 / 10

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Heather, New South Wales, reviewed about 7 years ago

Police Bank

Police Bank Premium Home Loan (Owner Occupier) home loan review

Overall rating   10 / 10

They are always cheaper then the normal banks

When interest rates drop so does our home loan they are friendly and always willing to help

Full review

When interest rates drop so does our home loan they are friendly and always willing to help

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Michelle, New South Wales, reviewed about 7 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 243 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 522 home loans in the Mozo comparison engine.

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*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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