Police Bank home loan interest rates for owner-occupier principal & interest loans — 4 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| GoldRate Home Loan — Variable auto-updated 2026-09-16 | 5.99% | — | 6.06% | No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999. | ★ 100% offset account with no ongoing monthly or annual fees ★ Up to $3,000 refinance cashback (loans ≥$500k and LVR ≤80%; $2,000 for $300k-499k, offer period applies) |
| GoldRate Home Loan — Fixed | — | 1yr 6.34%2yr 6.34%3yr 5.94%5yr 6.59% | 6.05% – 6.33% | No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999. | — |
| Police Value Home Loan — Variable auto-updated 2026-09-16 | 5.94% | — | 6.01% | No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999. | ★ Available only to current and retired employees of an Australian police force, uniformed or civilian ★ Up to $3,000 refinance cashback (loans ≥$500k and LVR ≤80%; $2,000 for $300k-499k, offer period applies) |
| Police Value Home Loan — Fixed | — | 1yr 6.24%2yr 6.24%3yr 5.84%5yr 6.49% | 5.99% – 6.26% | No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999. | — |
About Police Bank
Police Bank is a customer-owned mutual bank (ABN 95 087 650 799) with branches across NSW, the ACT, Victoria and Tasmania, and has served police and their families for more than 60 years. Its owner-occupier range is the GoldRate Home Loan and the Police Value Home Loan — the latter only for current and retired employees of an Australian police force. Rates shown are owner-occupier, principal & interest at LVR 60% or below. Police Bank also publishes a First Home Loan at LVR 80-98%, open only to applicants eligible for the Australian Government 5% Deposit Scheme; it is not listed above because that LVR band is not comparable with the rest of this table.
- Website: www.policebank.com.au
- Contact: 131 728 (Mon-Fri 8am-6pm AEST); email [email protected]
Current Police Bank rates: lowest variable 5.94%, lowest fixed 5.84%.
Rate source: https://www.policebank.com.au/home-loan-interest-rates (rendered with headless chromium).