Police Bank home loan reviews

Police Bank
Police Bank's overall rating for home loans

(as rated by the Mozo community)

9.2 / 10

based on 5 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

Less

Genny (ACT), reviewed almost 2 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

Less

Belinda (NSW), reviewed about 3 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 (NSW), reviewed over 3 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

Less

Vanessa (NSW), reviewed about 4 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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Mozo reviewer (VIC), reviewed about 4 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

Less

Mozo reviewer (NSW), reviewed over 4 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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Mozo reviewer (NSW), reviewed over 4 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

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Mozo reviewer (NSW), reviewed over 4 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

Less

Neryllee (VIC), reviewed over 4 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 (NSW), reviewed over 4 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 (NSW), reviewed over 4 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

Less

Nicole (NSW), reviewed about 5 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

Less

Heather (NSW), reviewed over 5 years ago

Police Bank

Police Bank home loan review

Overall rating   8 / 10

The staff are friendly and knowlegable about their product and what is possible. Our long term relationship had has enabled us to own our home, boat, car and land for our retirement. Expert financial advice is also avaiable as we approach retirement.

Full review

The staff are friendly and knowlegable about their product and what is possible. Our long term relationship had has enabled us to own our home, boat, car and land for our retirement. Expert financial advice is also avaiable as we approach retirement.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Shirley (NSW), reviewed about 6 years ago

Police Bank

Police Bank home loan review

Overall rating   8 / 10

seems ok.

Full review

seems ok.

    Price   6 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   7 / 10

Less

Christina (NSW), reviewed over 6 years ago

Police Bank

Police Bank home loan review

Overall rating   10 / 10

Availability of off set account Also friendly staff Easy access to Website, easy to navigate

Full review

Availability of off set account Also friendly staff Easy access to Website, easy to navigate

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Margaret (NSW), reviewed over 6 years ago

Police Bank

Police Bank home loan review

Overall rating   9 / 10

The staff are friendly and will assist you in what ever your need.

Full review

The staff are friendly and will assist you in what ever your need.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Craig (NSW), reviewed almost 7 years ago

Police Bank

Police Bank home loan review

Overall rating   9 / 10

The interest rate is slightly cheaper than other financial institutions, especially the big banks. They have friendly service and good knowledge of their products.

Full review

The interest rate is slightly cheaper than other financial institutions, especially the big banks. They have friendly service and good knowledge of their products.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Jeff (NSW), reviewed about 7 years ago

Police Bank

Police Bank home loan review

Overall rating   10 / 10

The staff at the PCU go above and beyond what you would expect. They spent two hours with me, sorting out direct debits, organising an efficient savings and payment schedule. They are friendly, approachable and helpful. the loans are simple and...

Full review

The staff at the PCU go above and beyond what you would expect. They spent two hours with me, sorting out direct debits, organising an efficient savings and payment schedule. They are friendly, approachable and helpful. the loans are simple and quick to secure, interest rates very competitive, no hidden fees, no monthly fees and unlike the big banks, they dont grab at your money every chance nor put up the interest rates over and above the recommendations of the reserve bank.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Gina (NSW), reviewed about 7 years ago

Police Bank

Police Bank home loan review

Overall rating   10 / 10

The most important issue is trust. We have used the Police Credit Union for many reasons - home loan, personal loan, I have never ever had a problem that they could not resolve. The personal support is just a phone call away and never a problem. ...

Full review

The most important issue is trust. We have used the Police Credit Union for many reasons - home loan, personal loan, I have never ever had a problem that they could not resolve. The personal support is just a phone call away and never a problem. I would say that Janett Murrell would be the best banker in the state of New South Wales and we hold her in great esteem. I would recommend the Police Credit Union to friends, family which I have. The best service that I have ever had from a banking institute. I have no personal gain for my responses which are true.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Brad (NSW), reviewed about 7 years ago

Police Bank

Police Bank home loan review

Overall rating   3 / 10

I have been with this bank 16 years. The bank manager Jasma Stallion went above and beyond the application process and worked out the best way to achieve what I wanted at the cheapest rates/interest. There was a restructure and she resigned. The...

Full review

I have been with this bank 16 years. The bank manager Jasma Stallion went above and beyond the application process and worked out the best way to achieve what I wanted at the cheapest rates/interest. There was a restructure and she resigned. The male who replaced her, didn't think outside of the one application process or attempted to find a better option for me so I closed my accounts approx. 1 million, and went to the bank that Jasma is now managing. People person power won my business.

    Price   3 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   1 / 10

Less

Marie (ACT), reviewed over 7 years ago

Police Bank

Police Bank home loan review

Overall rating   8 / 10

Personal Service, Interest rate. Don't like the Early Exit Payments

Full review

Personal Service, Interest rate. Don't like the Early Exit Payments

    Price   8 / 10

    Features   4 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   7 / 10

Less

Alan (NSW), reviewed about 8 years ago

Police Bank

Police Bank home loan review

Overall rating   7 / 10

Only one branch in Sydney, which can be very inconvenient.

Full review

Only one branch in Sydney, which can be very inconvenient.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   2 / 10

    Trust   10 / 10

Less

C (NSW), reviewed over 8 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.56% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% 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: $700,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

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

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

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • 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

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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