Police Credit Union home loan reviews

Police Credit Union
Police Credit Union's overall rating for home loans

(as rated by the Mozo community)

8.6 / 10

based on 18 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Police Credit Union

Recent Police Credit Union home loan reviews

Police Credit Union

Police Credit Union home loan review

Overall rating   9 / 10

Very helpful and knowledgable staff.

Most accommodating and friendly staff. Always willing to give a competitive quote on any product that one may wish to purchase.

Full review

Most accommodating and friendly staff. Always willing to give a competitive quote on any product that one may wish to purchase.

    Price   6 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Peter, South Australia, reviewed about 3 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

Competitive premiums and awsome customer service

I have been banking with them for over 30 years. Have always been happy dealing with them.

Full review

I have been banking with them for over 30 years. Have always been happy dealing with them.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Melinda, Northern Territory, reviewed about 3 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   6 / 10

Worth a look

Definitely worth checking out, they have great deals from time to time.

Full review

Definitely worth checking out, they have great deals from time to time.

    Price   5 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   6 / 10

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Ben, Northern Territory, reviewed about 3 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   7 / 10

Friendly but flawed

Unfortunately PCU are the David of the banking world and their products reflect this. Products are backwards (read: Paywave and lack of) and their internet banking/mobile banking interface is bordering on laughable, not to mention the prehistoric...

Full review

Unfortunately PCU are the David of the banking world and their products reflect this. Products are backwards (read: Paywave and lack of) and their internet banking/mobile banking interface is bordering on laughable, not to mention the prehistoric transaction fees. Sadly, PCU has been well and truly surpassed for convenience by the bigger players as well. Thankfully the interest rates offered to me were quite passable and the customer service is enjoyable. I'm locked in for 3 years at this interest rate and it's the only reason I will continue to bank with them. For now.

    Price   7 / 10

    Features   4 / 10

    Customer service   9 / 10

    Convenience   3 / 10

    Trust   5 / 10

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Tom, South Australia, reviewed about 4 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   9 / 10

Great

Have helped I financial difficulty

Full review

Have helped I financial difficulty

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   7 / 10

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Lissa, , reviewed about 4 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   9 / 10

Good customer rapport snd competitive % rates

Pcu good all round with services IVY and online areas 9/10, competitive in the interest markets.

Full review

Pcu good all round with services IVY and online areas 9/10, competitive in the interest markets.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Kim, South Australia, reviewed almost 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

Fantastic customer service

Nothing is too much trouble, customer service excellent!

Full review

Nothing is too much trouble, customer service excellent!

    Price   9 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   10 / 10

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Jane, Western Australia, reviewed almost 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

Great customer service and competitive products

I like this bank because the staff are very professional and helpful, have competitive products (rates/fees), and they continue to improve on products and services.

Full review

I like this bank because the staff are very professional and helpful, have competitive products (rates/fees), and they continue to improve on products and services.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Sonia, South Australia, reviewed about 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   8 / 10

Excellent rates

Friendly people, always go out of their way to help me out.

Full review

Friendly people, always go out of their way to help me out.

    Price   9 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Brian, South Australia, reviewed about 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

Low rates, options and helpful service

I love my Police Credit Union loan because they have a range of options like offset accounts, low fees, plenty of ATMs available, easy phone and on-line banking and they've always been a pleasure to deal with.

Full review

I love my Police Credit Union loan because they have a range of options like offset accounts, low fees, plenty of ATMs available, easy phone and on-line banking and they've always been a pleasure to deal with.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Name not supplied, South Australia, reviewed about 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

Competitive rates, excellent service

Although my home is now freehold the Police Credit Union handled the whole procedure of obtaining the mortgage to the final payment painlessly. As usual we were very pleased with the professionalism and care the whole process was handled.

Full review

Although my home is now freehold the Police Credit Union handled the whole procedure of obtaining the mortgage to the final payment painlessly. As usual we were very pleased with the professionalism and care the whole process was handled.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Name not supplied, South Australia, reviewed about 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   8 / 10

Great rates, flexible and personal service/advice

Home loans relate to the biggest purchase we make, so feeling confident and comfortable was vital. We could not have been more impressed with Police Credit Union!

Full review

Home loans relate to the biggest purchase we make, so feeling confident and comfortable was vital. We could not have been more impressed with Police Credit Union!

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Amanda, South Australia, reviewed over 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

Good service and rates

They are fantastic with every little need or complaint they help out extremely well and provide a fantastic service to their customers and the community. Keep up the good work, wouldn't change banks for the world.

Full review

They are fantastic with every little need or complaint they help out extremely well and provide a fantastic service to their customers and the community. Keep up the good work, wouldn't change banks for the world.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Maryanne, South Australia, reviewed over 5 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   8 / 10

excellent service, went out of their way to assist

The fact that when I compared PCU to another service who offered to beat any other home loan, they admitted they could not do better - well that was plenty enough reason to go ahead with PCU.

Full review

The fact that when I compared PCU to another service who offered to beat any other home loan, they admitted they could not do better - well that was plenty enough reason to go ahead with PCU.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

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Wade, South Australia, reviewed about 6 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

I found the people in the branch were happy to spend time with me to work out everything. They made sure that I understood everything. Excellent service.

Full review

I found the people in the branch were happy to spend time with me to work out everything. They made sure that I understood everything. Excellent service.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Debra, South Australia, reviewed over 7 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   8 / 10

Adelaide bank is very competitive with all the services they offer. The staff and friendly and very easy to contact and work with you to get the best results for their customers. I would have no hesitation in recommending their services to...

Full review

Adelaide bank is very competitive with all the services they offer. The staff and friendly and very easy to contact and work with you to get the best results for their customers. I would have no hesitation in recommending their services to friends and family

    Price   7 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Madey, South Australia, reviewed almost 8 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   10 / 10

I have never had such personal service at a bank before, they are courteous, prompt and always available to help if I want any advice or have a problem.

Full review

I have never had such personal service at a bank before, they are courteous, prompt and always available to help if I want any advice or have a problem.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Madelyn, South Australia, reviewed over 8 years ago

Police Credit Union

Police Credit Union home loan review

Overall rating   2 / 10

The Police Credit home loan product is very rigid. but customer service leaves a lot to be desired. staff are inadequately trained and quite often differing information is given.

Full review

The Police Credit home loan product is very rigid. but customer service leaves a lot to be desired. staff are inadequately trained and quite often differing information is given.

    Price   5 / 10

    Features   2 / 10

    Customer service   1 / 10

    Convenience   0 / 10

    Trust   0 / 10

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, South Australia, reviewed about 10 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

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

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

    • A super-low rate available to purchases & refinance
    • 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

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • 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: 3.64% p.a. variable
    • Comparison rate*: 3.66% 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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au 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

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    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: 3.59% 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

  • Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • 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: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    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.

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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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