Home loan rates › Police Bank

Police Value Home Loan

Police Bank

CDR official

Helping Police Officers with a low rate home loan that has a great range of features to help pay off your home sooner.

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Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

RateComparison*Applies toConditionsSourceSince
6.49%6.47%Fixed · 1 year · investment · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.49%6.52%Fixed · 1 year · investment · interest only · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.59%6.75%Fixed · 1 year · investment · interest only · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.49%6.48%Fixed · 2 years · investment · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.49%6.52%Fixed · 2 years · investment · interest only · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.59%6.74%Fixed · 2 years · investment · interest only · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.34%6.45%Fixed · 3 years · investment · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.34%6.48%Fixed · 3 years · investment · interest only · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.49%6.71%Fixed · 3 years · investment · interest only · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.74%6.61%Fixed · 5 years · investment · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.79%6.66%Fixed · 5 years · investment · interest only · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.94%6.87%Fixed · 5 years · investment · interest only · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.39%6.46%Fixed · 1 year · investment · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.39%6.51%Fixed · 1 year · investment · principal and interest · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.49%6.74%Fixed · 1 year · investment · principal and interest · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.39%6.46%Fixed · 2 years · investment · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.39%6.50%Fixed · 2 years · investment · principal and interest · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.49%6.72%Fixed · 2 years · investment · principal and interest · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.24%6.42%Fixed · 3 years · investment · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.24%6.46%Fixed · 3 years · investment · principal and interest · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.39%6.68%Fixed · 3 years · investment · principal and interest · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.59%6.55%Fixed · 5 years · investment · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.64%6.60%Fixed · 5 years · investment · principal and interest · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.79%6.81%Fixed · 5 years · investment · principal and interest · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.39%6.28%Fixed · 1 year · owner occupied · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.49%6.65%Fixed · 1 year · owner occupied · interest only · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.39%6.33%Fixed · 1 year · owner occupied · interest only · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.49%6.65%Fixed · 1 year · owner occupied · interest only · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.39%6.30%Fixed · 2 years · owner occupied · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.49%6.64%Fixed · 2 years · owner occupied · interest only · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.39%6.34%Fixed · 2 years · owner occupied · interest only · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.49%6.64%Fixed · 2 years · owner occupied · interest only · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.24%6.27%Fixed · 3 years · owner occupied · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.39%6.60%Fixed · 3 years · owner occupied · interest only · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.24%6.31%Fixed · 3 years · owner occupied · interest only · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.39%6.60%Fixed · 3 years · owner occupied · interest only · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.69%6.47%Fixed · 5 years · owner occupied · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.94%6.81%Fixed · 5 years · owner occupied · interest only · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.74%6.52%Fixed · 5 years · owner occupied · interest only · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.94%6.81%Fixed · 5 years · owner occupied · interest only · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.24%6.27%Fixed · 1 year · owner occupied · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.34%6.64%Fixed · 1 year · owner occupied · principal and interest · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.24%6.31%Fixed · 1 year · owner occupied · principal and interest · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.34%6.64%Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.24%6.27%Fixed · 2 years · owner occupied · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.34%6.61%Fixed · 2 years · owner occupied · principal and interest · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.24%6.31%Fixed · 2 years · owner occupied · principal and interest · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.34%6.61%Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.09%6.24%Fixed · 3 years · owner occupied · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.24%6.56%Fixed · 3 years · owner occupied · principal and interest · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.09%6.27%Fixed · 3 years · owner occupied · principal and interest · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.24%6.56%Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.49%6.40%Fixed · 5 years · owner occupied · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.69%6.71%Fixed · 5 years · owner occupied · principal and interest · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.54%6.45%Fixed · 5 years · owner occupied · principal and interest · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.69%6.71%Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.54%6.52%Variable · investment · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.59%6.57%Variable · investment · interest only · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.74%6.78%Variable · investment · interest only · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.39%6.46%Variable · investment · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.44%6.51%Variable · investment · principal and interest · LVR 60%–80%
Certain occupations
CDR1 Nov 2026
6.69%6.77%Variable · investment · principal and interest · LVR 80%–90%
Certain occupations
CDR1 Nov 2026
6.49%6.39%Variable · owner occupied · interest only · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.69%6.70%Variable · owner occupied · interest only · LVR 90% or less
Certain occupations
CDR1 Nov 2026
7.34%6.40%Variable · owner occupied · interest only · LVR 80% or less
Certain occupations
CDR1 Nov 2026
6.54%6.44%Variable · owner occupied · interest only · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.69%6.70%Variable · owner occupied · interest only · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
6.19%6.26%Variable · owner occupied · principal and interest · LVR 60% or less
Certain occupations
CDR1 Nov 2026
6.59%6.66%Variable · owner occupied · principal and interest · LVR 90% or less
Certain occupations
CDR1 Nov 2026
6.24%6.31%Variable · owner occupied · principal and interest · LVR 60%–90%
Certain occupations
CDR1 Nov 2026
6.59%6.66%Variable · owner occupied · principal and interest · LVR 90%–95%
Certain occupations
CDR1 Nov 2026
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Source

CDR officialConsumer Data Right product dataShow where this comes from
Fetched
1 Nov 2026
URL
https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4
Content hash
sha256 96affc167a8cc4efe99fb870bd51a7497c6b314f6a300b11de7883dce012677b
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_96affc167a8cc4ef_a16e273bShow details
Checked
1 Nov 2026
URL
https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4
Content hash
sha256 96affc167a8cc4efe99fb870bd51a7497c6b314f6a300b11de7883dce012677b
Excerpt
—
Rule version
mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

FeeTypeAmount
Monthly Product Split FeePeriodic$7.00
Mortgage Discharge FeeExit$294.00
Additional Statement FeeOtherSet in your letter of offer
Excess Valuation feeEventSet in your letter of offer
Establishment feeUpfront$600.00
Arrears Letter FeeEvent$6.50
InsuranceEventSet in your letter of offer
Stamp DutyEventSet in your letter of offer
Independent Legal Advice/Interpreter ServiceEventSet in your letter of offer
Consent to Subdivision FeeEvent$162.00
PPSR Fees (Personal Properties Security Register)EventSet in your letter of offer
Issue of Statutory Default Notice Legal FeesDishonourSet in your letter of offer
Pest & Building Inspections FeesEventSet in your letter of offer
Bridging Home Loan Establishment FeeEvent$880.00
Other Legal/ Solicitors FeesEventSet in your letter of offer
Second Mortgage Consent FeeEvent$75.00
Default Notice FeeEvent$21.50
Substituting of Security Legal feeEvent$605.00
Legal/Securities feesEventSet in your letter of offer
Substituting Securities feeEvent$315.00
Mortgage Loan Top Up / Increase in Credit Limit FeeEvent$315.00
Production of Title FeeEvent$110.00
Other Government Duties & TaxesEventSet in your letter of offer
RTGS Transfer FeeEvent$10.50
Third Party CostsOtherSet in your letter of offer
Early Repayment FeeOtherSet in your letter of offer
General Consent FeeEvent$250.00
Additional Valuation FeeEventSet in your letter of offer
Late Payment FeeLate payment$10.00
Stamp Duty Increase FeeEventSet in your letter of offer
Future Legal Costs and Disbursements Relating to any Variations, Dealings, DischargesEventSet in your letter of offer
Fixed Rate Lock FeeEvent$600.00

Features and eligibility

ItemValueDetails
OffsetNot Available for Fixed Loans or Interest Only
RedrawFee Free redraw
OtherAvailable for the ACT Rent Land Scheme
Extra repaymentsUnlimited free additional repayments - Up to $9,999 per calendar year for the fixed term
OtherConfirmation Of Payee
OtherSplit loan
Eligibility: natural person
Eligibility: otherPolice Value Home Loan only available to current serving Police Officers or a Retired Police Officer(s) who are a member of a Union that is associated with the Police Federation of Australia. This includes NSW Police Association (including Associate members), and the Australian Federal Police Association.
Eligibility: min age18
Eligibility: residency statusAustralian Residents
Eligibility: residency statusAustralian Citizen
Limit: min limit50000.00
Limit: max lvr0.95

Rate history

RateFromToRate p.a.Comparison
Fixed · 5 years · owner occupied · interest only · LVR 60% or less1 Nov 2026Current6.69%6.47%
Fixed · 1 year · owner occupied · interest only · LVR 90% or less1 Nov 2026Current6.49%6.65%
Fixed · 3 years · investment · principal and interest · LVR 60% or less1 Nov 2026Current6.24%6.42%
Fixed · 1 year · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.49%6.74%
Fixed · 1 year · owner occupied · interest only · LVR 60%–90%1 Nov 2026Current6.39%6.33%
Fixed · 1 year · investment · interest only · LVR 80%–90%1 Nov 2026Current6.59%6.75%
Fixed · 1 year · owner occupied · principal and interest · LVR 60%–90%1 Nov 2026Current6.24%6.31%
Variable · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.59%6.66%
Variable · owner occupied · interest only · LVR 90% or less1 Nov 2026Current6.69%6.70%
Variable · owner occupied · interest only · LVR 80% or less1 Nov 2026Current7.34%6.40%
Fixed · 5 years · owner occupied · principal and interest · LVR 60%–90%1 Nov 2026Current6.54%6.45%
Variable · owner occupied · interest only · LVR 90%–95%1 Nov 2026Current6.69%6.70%
Fixed · 3 years · owner occupied · principal and interest · LVR 60%–90%1 Nov 2026Current6.09%6.27%
Fixed · 2 years · investment · principal and interest · LVR 60%–80%1 Nov 2026Current6.39%6.50%
Fixed · 5 years · owner occupied · interest only · LVR 60%–90%1 Nov 2026Current6.74%6.52%
Fixed · 1 year · owner occupied · interest only · LVR 90%–95%1 Nov 2026Current6.49%6.65%
Fixed · 5 years · investment · interest only · LVR 60%–80%1 Nov 2026Current6.79%6.66%
Variable · investment · interest only · LVR 60%–80%1 Nov 2026Current6.59%6.57%
Fixed · 5 years · owner occupied · interest only · LVR 90%–95%1 Nov 2026Current6.94%6.81%
Fixed · 1 year · investment · interest only · LVR 60%–80%1 Nov 2026Current6.49%6.52%
Fixed · 3 years · investment · interest only · LVR 60%–80%1 Nov 2026Current6.34%6.48%
Fixed · 2 years · investment · interest only · LVR 60%–80%1 Nov 2026Current6.49%6.52%
Variable · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.69%6.77%
Variable · owner occupied · interest only · LVR 60% or less1 Nov 2026Current6.49%6.39%
Fixed · 5 years · investment · interest only · LVR 60% or less1 Nov 2026Current6.74%6.61%
Fixed · 3 years · investment · interest only · LVR 60% or less1 Nov 2026Current6.34%6.45%
Fixed · 5 years · investment · principal and interest · LVR 60% or less1 Nov 2026Current6.59%6.55%
Fixed · 2 years · owner occupied · interest only · LVR 60% or less1 Nov 2026Current6.39%6.30%
Fixed · 3 years · owner occupied · interest only · LVR 90%–95%1 Nov 2026Current6.39%6.60%
Fixed · 1 year · investment · interest only · LVR 60% or less1 Nov 2026Current6.49%6.47%
Fixed · 5 years · investment · principal and interest · LVR 60%–80%1 Nov 2026Current6.64%6.60%
Fixed · 1 year · owner occupied · principal and interest · LVR 60% or less1 Nov 2026Current6.24%6.27%
Fixed · 3 years · investment · principal and interest · LVR 60%–80%1 Nov 2026Current6.24%6.46%
Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.24%6.56%
Variable · owner occupied · principal and interest · LVR 60% or less1 Nov 2026Current6.19%6.26%
Variable · owner occupied · interest only · LVR 60%–90%1 Nov 2026Current6.54%6.44%
Fixed · 2 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.49%6.72%
Fixed · 2 years · investment · interest only · LVR 60% or less1 Nov 2026Current6.49%6.48%
Fixed · 2 years · owner occupied · principal and interest · LVR 90% or less1 Nov 2026Current6.34%6.61%
Fixed · 3 years · investment · interest only · LVR 80%–90%1 Nov 2026Current6.49%6.71%
Fixed · 3 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.39%6.68%
Fixed · 1 year · investment · principal and interest · LVR 60%–80%1 Nov 2026Current6.39%6.51%
Fixed · 1 year · investment · principal and interest · LVR 60% or less1 Nov 2026Current6.39%6.46%
Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.69%6.71%
Variable · investment · principal and interest · LVR 60%–80%1 Nov 2026Current6.44%6.51%
Variable · owner occupied · principal and interest · LVR 60%–90%1 Nov 2026Current6.24%6.31%
Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.34%6.61%
Fixed · 2 years · investment · principal and interest · LVR 60% or less1 Nov 2026Current6.39%6.46%
Fixed · 5 years · owner occupied · principal and interest · LVR 90% or less1 Nov 2026Current6.69%6.71%
Fixed · 5 years · owner occupied · interest only · LVR 90% or less1 Nov 2026Current6.94%6.81%
Fixed · 3 years · owner occupied · interest only · LVR 60%–90%1 Nov 2026Current6.24%6.31%
Fixed · 3 years · owner occupied · interest only · LVR 90% or less1 Nov 2026Current6.39%6.60%
Fixed · 5 years · investment · interest only · LVR 80%–90%1 Nov 2026Current6.94%6.87%
Fixed · 1 year · owner occupied · principal and interest · LVR 90% or less1 Nov 2026Current6.34%6.64%
Variable · owner occupied · principal and interest · LVR 90% or less1 Nov 2026Current6.59%6.66%
Fixed · 5 years · owner occupied · principal and interest · LVR 60% or less1 Nov 2026Current6.49%6.40%
Fixed · 2 years · owner occupied · principal and interest · LVR 60%–90%1 Nov 2026Current6.24%6.31%
Variable · investment · principal and interest · LVR 60% or less1 Nov 2026Current6.39%6.46%
Fixed · 2 years · investment · interest only · LVR 80%–90%1 Nov 2026Current6.59%6.74%
Fixed · 3 years · owner occupied · principal and interest · LVR 90% or less1 Nov 2026Current6.24%6.56%
Fixed · 2 years · owner occupied · interest only · LVR 60%–90%1 Nov 2026Current6.39%6.34%
Fixed · 3 years · owner occupied · principal and interest · LVR 60% or less1 Nov 2026Current6.09%6.24%
Fixed · 3 years · owner occupied · interest only · LVR 60% or less1 Nov 2026Current6.24%6.27%
Fixed · 1 year · owner occupied · interest only · LVR 60% or less1 Nov 2026Current6.39%6.28%
Fixed · 2 years · owner occupied · interest only · LVR 90% or less1 Nov 2026Current6.49%6.64%
Variable · investment · interest only · LVR 80%–90%1 Nov 2026Current6.74%6.78%
Variable · investment · interest only · LVR 60% or less1 Nov 2026Current6.54%6.52%
Fixed · 5 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.79%6.81%
Fixed · 2 years · owner occupied · interest only · LVR 90%–95%1 Nov 2026Current6.49%6.64%
Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.34%6.64%
Fixed · 2 years · owner occupied · principal and interest · LVR 60% or less1 Nov 2026Current6.24%6.27%

Tags

TagMeaningEffect
eligibility:occupationCertain occupationsShown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged

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