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Fixed Rate Home Loan

Do you prefer knowing your home loan interest rate and repayments won't change?

Do you like to know what your budget is and stick to it? If so, talk to us about getting you fixed for 1 to 5 years. At the end of the fixed period you swap across to our standard variable interest rate.

Our 1-5 year Fixed Rate Home Loans also lock in these features:

  • Additional payments of up to $20,000 P.A. allowed
  • No ongoing or monthly fees
  • Borrow from $150,000 with a minimum deposit of 20% (maximum Loan to Value Ratio [LVR] of 80%)

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Check out these fantastic Owner Occupied rates!^

Fixed Rate Home Loan for 1 Year

Interest Rate: 2.39% P.A.

Comparison rate: 3.69% P.A.

Fixed Rate Home Loan for 2 Years

Interest Rate: 2.39% P.A.

Comparison rate: 3.57% P.A.

Fixed Rate Home Loan for 4 Years

Interest Rate: 2.89% P.A.

Comparison rate: 3.53% P.A.

Fixed Rate Home Loan for 5 Years

Interest Rate: 2.99% P.A.

Comparison rate: 3.51% P.A.

Rates revert to standard variable rate at end of fixed term.

Fixed Rate Home Loans are a smart property investment, too!

Our competitive Fixed Rate Home Loan means you will know exactly what your repayments will be. With fixed terms from 1 to 5 years, and the capacity to borrow up to 90% of the property’s value, we can help you start your own investment property portfolio today!

Our Fixed Rate Investment Loans come with these Better Banking promises:

  • Same day approval – valid for 3 months*
  • No annual or monthly fees
  • Free property research and reports
  • We’ll always meet your settlement times

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Free property research! Better still.

Searching for a home but need a hand? How about FREE property research reports through CoreLogic RP Data, complete with suburb details designed to help you at the negotiating table. The reports cover recent sales details, median house prices as well as a profile of the suburb you’d love to live in. Get a FREE property research report just by asking us!

Move into a Fixed Rate Home Loan. We do the heavy lifting!

Keen to make the move to Police Credit Union? We’ll be the removalist for your home loan, just call us and we’ll help you move home loan providers. We act on your behalf, arranging all required documents, organising your payout date and your new repayments. The moment you’ve got conditional approval, simply sign one form. It’s that easy!


Use our range of calculators to help you assess your borrowing power, repayments, financial situation and more. Click here.

Interest Rates & Fees

Find out more about interest rates and fees.

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For more information on the Fixed Rate Home Loan speak to our friendly staff:

During business hours: 1300 131 844
You can email us at [email protected].
Or, you can always drop in to your local branch and one of our friendly staff can help you.

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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