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Find the home loan that’s right for you

Buying a new house or refinancing an existing home loan? We have a range of flexible home loans available to suits your needs. Take a look at our rates to decide which home loan is best for you.

Can’t find what you are looking for? Check out the full list of our home loan products by downloading our Rate Sheet PDF here.

It’s easy to refinance your home loan. Call us today on 1300 131 844 and see if you can switch and save.

Better Banking
products		 No Ongoing or
Monthly Fees		 Max Loan
Term		 Offset
account		 Redraw
available		 Additional
repayments

3 Year Fixed Rate Home Loan - Min. Deposit 20%
2.19%
P.A.
3.42%
P.A. Comparison
Split Loan Available
30 Years
 Learn more Apply now

3 Year Fixed Rate Home Loan - Min. Deposit 10%
2.79%
P.A.
3.57%
P.A. Comparison
Split Loan Available
30 Years
 Learn more Apply now

The Better Home Loan - Min. Deposit 20%
2.69%
P.A.
2.74%
P.A. Comparison
Split Loan Available
30 Years
 Learn more Apply now

The Better Home Loan - Min. Deposit 10%
2.69%
P.A.
2.74%
P.A. Comparison
Split Loan Available
30 Years
 Learn more Apply now

3 Year Fixed Rate Home Loan - Min. Deposit 20%
2.19%
P.A.
3.42%
P.A. Comparison
No Ongoing or Monthly Fees
Max Loan Term
30 Years
Offset account
Redraw Available
Additional repayments
Learn more Apply now

3 Year Fixed Rate Home Loan - Min. Deposit 10%
2.79%
P.A.
3.57%
P.A. Comparison
No Ongoing or Monthly Fees
Max Loan Term
30 Years
Offset account
Redraw Available
Additional repayments
Learn more Apply now

The Better Home Loan - Min. Deposit 20%
2.69%
P.A.
2.74%
P.A. Comparison
No Ongoing or Monthly Fees
Max Loan Term
30 Years
Offset account
Redraw Available
Additional repayments
Learn more Apply now

The Better Home Loan - Min. Deposit 10%
2.69%
P.A.
2.74%
P.A. Comparison
No Ongoing or Monthly Fees
Max Loan Term
30 Years
Offset account
Redraw Available
Additional repayments
Learn more Apply now

If you’re looking for a variable home loan, you can always use our Home Loan Combobulator to see just how much better our home loans are, and how much you could save.

You might also be interested in:

Repayment Pause Request Form
If you are experiencing financial hardship due to COVID-19 and would like to apply for a repayment pause, you can find a Loan Repayment Pause Request Form here.

Construction Loans
Building a new home or taking on a major renovation? A Police Credit Union construction loan can make the process easier. 

Bridging Loans
Our Bridging Loans can help you purchase your new home before you have sold your existing home. That way you can secure the perfect home when you find it even if you haven’t sold your current home.

Line of Credit
It’s like having a Visa card with a very big limit, at a very low interest rate.

Online Redraw
Redraw your extra loan repayments online… for anything you like. Better than that, you redraw for free!

Reverse Mortgage Loan
Thanks to Heartland Seniors Finance, their Reverse Mortgage could let you borrow against your home to release equity. Your chances of that dream holiday just got a lot better. 

For the Reverse Mortgage Information Statement click here.

What is a Comparison Rate 
Want to know what a comparison rate is and what you should look out for when choosing a loan? Find out here.

We're here to help you buy a house

If you’re looking to buy your first home, refinance the one you’re in, or start your property investment portfolio, we offer home loans and advice that suit your needs, better.

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Disclaimer

Terms, conditions, fees, charges and lending criteria apply. Full details upon request. Interest rates are effective as at 14/09/2020 and subject to change. Comparison rate is based on a secured $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Please consider if the product is right for you.