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Police Bank · Home loans
Goldrate Home Loan
Police Bank's Goldrate Home Loan is a home loan. The figures are the ones Police Bank publishes under the Consumer Data Right today. The advertised rate last moved on 3 September 2026, down from 6.24% to 5.94%.
Advertised rate
6.24%
headline tier
Comparison rate
6.31%
as published
Last moved
-0.30pp
3 September 2026
Advertised rate, last 30 days. Unchanged since 3 November 2026.
Every current rate (71)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%<60 | 6.24% | 6.31% |
| Variable, Owner occupier, P&I, LVR 60 to 80%60-80 | 6.29% | 6.36% |
| Variable, Investor, P&I, LVR up to 60%<60 | 6.44% | 6.51% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 60%<60 | 6.49% | 6.34% |
| Fixed 1 year, Owner occupier, P&I, LVR 60 to 80%60-80 | 6.49% | 6.38% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 60%<60 | 6.49% | 6.36% |
| Fixed 2 years, Owner occupier, P&I, LVR 60 to 80%60-80 | 6.49% | 6.40% |
| Variable, Investor, P&I, LVR 60 to 80%60-80 | 6.49% | 6.56% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 60%<60 | 6.54% | 6.40% |
| Fixed 3 years, Owner occupier, P&I, LVR 60 to 80%60-80 | 6.54% | 6.44% |
| Variable, Owner occupier, Interest only, LVR up to 60%<60 | 6.54% | 6.44% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 90%<90 | 6.59% | 6.71% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%80-95 | 6.59% | 6.71% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 90%<90 | 6.59% | 6.70% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%80-95 | 6.59% | 6.70% |
| Variable, Investor, Interest only, LVR up to 60%<60 | 6.59% | 6.57% |
| Variable, Owner occupier, Interest only, LVR 60 to 80%60-80 | 6.59% | 6.49% |
| Fixed 1 year, Investor, P&I, LVR up to 60%<60 | 6.64% | 6.54% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 60%<60 | 6.64% | 6.35% |
| Fixed 1 year, Investor, P&I, LVR 60 to 80%60-80 | 6.64% | 6.58% |
| Fixed 1 year, Owner occupier, Interest only, LVR 60 to 80%60-80 | 6.64% | 6.40% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 60%<60 | 6.64% | 6.39% |
| Fixed 2 years, Investor, P&I, LVR up to 60%<60 | 6.64% | 6.55% |
| Fixed 2 years, Owner occupier, Interest only, LVR 60 to 80%60-80 | 6.64% | 6.43% |
| Fixed 2 years, Investor, P&I, LVR 60 to 80%60-80 | 6.64% | 6.59% |
| Variable, Investor, Interest only, LVR 60 to 80%60-80 | 6.64% | 6.62% |
| Variable, Owner occupier, P&I, LVR up to 90%<90 | 6.64% | 6.72% |
| Variable, Owner occupier, P&I, LVR 80 to 95%80-95 | 6.64% | 6.72% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 60%<60 | 6.69% | 6.44% |
| Fixed 3 years, Investor, P&I, LVR up to 60%<60 | 6.69% | 6.59% |
| Fixed 3 years, Owner occupier, Interest only, LVR 60 to 80%60-80 | 6.69% | 6.47% |
| Fixed 3 years, Investor, P&I, LVR 60 to 80%60-80 | 6.69% | 6.62% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 90%<90 | 6.69% | 6.73% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%80-95 | 6.69% | 6.73% |
| Fixed 1 year, Investor, Interest only, LVR up to 60%<60 | 6.74% | 6.54% |
| Fixed 1 year, Investor, Interest only, LVR 60 to 80%60-80 | 6.74% | 6.59% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 90%<90 | 6.74% | 6.72% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90%80-90 | 6.74% | 6.82% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 95%80-95 | 6.74% | 6.72% |
| Fixed 2 years, Investor, Interest only, LVR up to 60%<60 | 6.74% | 6.57% |
| Fixed 2 years, Investor, Interest only, LVR 60 to 80%60-80 | 6.74% | 6.61% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 90%<90 | 6.74% | 6.73% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90%80-90 | 6.74% | 6.82% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 95%80-95 | 6.74% | 6.73% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 60%<60 | 6.74% | 6.54% |
| Variable, Investor, P&I, LVR 80 to 90%80-90 | 6.74% | 6.82% |
| Variable, Owner occupier, Interest only, LVR up to 90%<90 | 6.74% | 6.75% |
| Variable, Owner occupier, Interest only, LVR 80 to 95%80-95 | 6.74% | 6.75% |
| Fixed 3 years, Investor, Interest only, LVR up to 60%<60 | 6.79% | 6.61% |
| Fixed 3 years, Investor, Interest only, LVR 60 to 80%60-80 | 6.79% | 6.65% |
| Fixed 5 years, Owner occupier, P&I, LVR 60 to 80%60-80 | 6.79% | 6.59% |
| Variable, Investor, Interest only, LVR 80 to 90%80-90 | 6.79% | 6.83% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90%80-90 | 6.84% | 6.82% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90%80-90 | 6.84% | 6.83% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90%80-90 | 6.84% | 6.84% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 90%<90 | 6.84% | 6.77% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 95%80-95 | 6.84% | 6.77% |
| Fixed 5 years, Investor, P&I, LVR up to 60%<60 | 6.84% | 6.69% |
| Fixed 5 years, Investor, P&I, LVR 60 to 80%60-80 | 6.89% | 6.74% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90%80-90 | 6.94% | 6.87% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 60%<60 | 6.94% | 6.61% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 90%<90 | 6.94% | 6.85% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%80-95 | 6.94% | 6.85% |
| Fixed 5 years, Investor, Interest only, LVR up to 60%<60 | 6.99% | 6.75% |
| Fixed 5 years, Owner occupier, Interest only, LVR 60 to 80%60-80 | 6.99% | 6.66% |
| Fixed 5 years, Investor, Interest only, LVR 60 to 80%60-80 | 7.04% | 6.80% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90%80-90 | 7.04% | 6.95% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 90%<90 | 7.19% | 6.95% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90%80-90 | 7.19% | 7.01% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 95%80-95 | 7.19% | 6.95% |
| Variable, Owner occupier, Interest only, LVR up to 80%<80 | 7.34% | 6.49% |
Rate moves, last 30 days
- 3 November 2026: 6 tiers lifted 0.15pp; the lowest, Fixed 1 year, Owner occupier, P&I, LVR 60 to 80%, from 6.34% to 6.49%.
- 3 November 2026: 14 tiers lifted 0.35pp; the lowest, Fixed 3 years, Owner occupier, P&I, LVR 60 to 80%, from 6.19% to 6.54%.
Published fees
| Fee | Amount |
|---|---|
| Substituting Securities feewhen it happens: Payable to us when you substitute an existing property with a new property as security for your home loan. | $315 |
| Legal/Securities feeswhen it happens: At Cost. | see lender |
| Dishonoured Member Cheque feewhen it happens: Per cheque dishonoured. | $9 |
| Stamp Duty Increase Feewhen it happens: At Cost. | see lender |
| Dishonoured Cheque feewhen it happens: Payable when a cheque or other payment to your account is dishonoured. | $9 |
| Fixed Rate Lock Feewhen it happens | $600 |
| Substituting of Security Legal feewhen it happens: Payable to us when you substitute an existing property with a new property as security for your home loan. | $605 |
| Monthly Product Split Feerecurring: $7 per additional product per month during the period of the split, debited to the account for the other product each month. | $7 |
| Consent to Subdivision Feewhen it happens: Payable when you ask for our consent to register a subdivision or other plan or dealing. | $162 |
| Mortgage Discharge Feeon exit: Payable when you ask us to prepare a discharge of mortgage. | $294 |
| Bridging Home Loan Establishment Feewhen it happens: For Bridging Loans only | $880 |
| Late Payment Feelate payment: Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. | $10 |
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