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Police Bank

Police Bank home loans

Police Bank is an Australian member-owned mutual bank that was formed in 1964 as the Police Credit Union. It was renamed Police Bank Limited in 2012.

The bank is based in Sydney, with service centres throughout NSW and the ACT. It provides financial products and services to those working in the police and enforcement services, as well as their families. These range from home and personal loans, savings account, credit cards, insurance as well as financial planning and investment advice.

Police Bank has won a number of awards, including Money magazine’s Best First Home Saver Account in 2014.

Police Bank Home Loan Calculator
Interested in an Police Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Police Bank compares to its competitors. Simply plug in your borrowing amount below. 

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Content updated18 Oct, 2023
Product data updated

Important disclosure

Why choose Police Bank

Benefits

  • Package and specialised loans available.
  • Flexible repayment features.
  • Discounted rates offered.

Drawbacks

  • Higher rates for investors.

Police Bank Home Loans

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Australian Credit Licence 240018Fees & charges apply

7.34%

7.25%

$2,141

Goldrate Home Loan
  • Owner Occupied
  • Variable
  • 5% min deposit
  • Interest Only

Australian Credit Licence 240018Fees & charges apply

Australian Credit Licence 240018Fees & charges apply

5.84%

5.92%

$2,221

First Home Loan
  • Owner Occupied
  • Variable
  • 10% min deposit
  • P&I

Australian Credit Licence 240018Fees & charges apply

Australian Credit Licence 240018Fees & charges apply

5.94%

5.95%

$1,733

First Home Loan
  • Owner Occupied
  • Variable
  • 10% min deposit
  • Interest Only

Australian Credit Licence 240018Fees & charges apply

Australian Credit Licence 240018Fees & charges apply

5.99%

5.95%

$2,253

First Home Loan
  • Owner Occupied
  • Fixed undefined year
  • 10.01% min deposit
  • P&I

Australian Credit Licence 240018Fees & charges apply

Australian Credit Licence 240018Fees & charges apply

6.09%

5.96%

$1,776

First Home Loan
  • Owner Occupied
  • Fixed undefined year
  • 10.01% min deposit
  • Interest Only

Australian Credit Licence 240018Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 5.84%

Total interest payable

$0

Total loan repayments

$0

Police Bank customer service

Customers can contact Police Bank in a variety of ways, including by email, online or in person at one of their local service centres. Customers can also contact the bank via a general customer phone line or via a direct line for loans and insurance.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch
  • Live chat
  • Mobile banking staff

How to Apply

Potential customers at Police Bank can apply for a home loan in a number of ways. These include an online application or enquiry form, or speak to a home loan specialist via a dedicated phone line. Customers also have the option of applying in person at a Police Bank branch. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification documents.
  • Proof of employment.
  • Information of income, assets and savings.
  • Details of liabilities, loans and debts.
  • Personal insurance documents.

Refinancers will also have to provide home loan statements for the past six months and a current payout quote for the loan they wish to refinance. 

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.