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Police Bank · Home loans
Police Value Home Loan
Police Value 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 6.14% to 5.84%.
Advertised rate
6.19%
headline tier
Comparison rate
6.26%
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 | 6.19% | 6.26% |
| Variable, Owner occupier, P&I, LVR 60 to 90%60-90 | 6.24% | 6.31% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 60%<60 | 6.39% | 6.28% |
| Fixed 1 year, Owner occupier, P&I, LVR 60 to 90%60-90 | 6.39% | 6.33% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 60%<60 | 6.39% | 6.30% |
| Fixed 2 years, Owner occupier, P&I, LVR 60 to 90%60-90 | 6.39% | 6.34% |
| Variable, Investor, P&I, LVR up to 60%<60 | 6.39% | 6.46% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 60%<60 | 6.44% | 6.34% |
| Fixed 3 years, Owner occupier, P&I, LVR 60 to 90%60-90 | 6.44% | 6.37% |
| Variable, Investor, P&I, LVR 60 to 80%60-80 | 6.44% | 6.51% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 90%<90 | 6.49% | 6.65% |
| Fixed 1 year, Owner occupier, P&I, LVR 90 to 95%90-95 | 6.49% | 6.65% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 90%<90 | 6.49% | 6.64% |
| Fixed 2 years, Owner occupier, P&I, LVR 90 to 95%90-95 | 6.49% | 6.64% |
| Variable, Owner occupier, Interest only, LVR up to 60%<60 | 6.49% | 6.39% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 60%<60 | 6.54% | 6.30% |
| Fixed 1 year, Investor, P&I, LVR up to 60%<60 | 6.54% | 6.48% |
| Fixed 1 year, Investor, P&I, LVR 60 to 80%60-80 | 6.54% | 6.52% |
| Fixed 1 year, Owner occupier, Interest only, LVR 60 to 90%60-90 | 6.54% | 6.34% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 60%<60 | 6.54% | 6.33% |
| Fixed 2 years, Investor, P&I, LVR up to 60%<60 | 6.54% | 6.49% |
| Fixed 2 years, Investor, P&I, LVR 60 to 80%60-80 | 6.54% | 6.53% |
| Fixed 2 years, Owner occupier, Interest only, LVR 60 to 90%60-90 | 6.54% | 6.37% |
| Variable, Investor, Interest only, LVR up to 60%<60 | 6.54% | 6.52% |
| Variable, Owner occupier, Interest only, LVR 60 to 90%60-90 | 6.54% | 6.44% |
| Fixed 3 years, Investor, P&I, LVR up to 60%<60 | 6.59% | 6.52% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 60%<60 | 6.59% | 6.37% |
| Fixed 3 years, Investor, P&I, LVR 60 to 80%60-80 | 6.59% | 6.56% |
| Fixed 3 years, Owner occupier, Interest only, LVR 60 to 90%60-90 | 6.59% | 6.41% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 90%<90 | 6.59% | 6.66% |
| Fixed 3 years, Owner occupier, P&I, LVR 90 to 95%90-95 | 6.59% | 6.66% |
| Variable, Investor, Interest only, LVR 60 to 80%60-80 | 6.59% | 6.57% |
| Variable, Owner occupier, P&I, LVR up to 90%<90 | 6.59% | 6.66% |
| Variable, Owner occupier, P&I, LVR 90 to 95%90-95 | 6.59% | 6.66% |
| Fixed 1 year, Investor, Interest only, LVR up to 60%<60 | 6.64% | 6.49% |
| Fixed 1 year, Investor, Interest only, LVR 60 to 80%60-80 | 6.64% | 6.53% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 90%<90 | 6.64% | 6.67% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90%80-90 | 6.64% | 6.76% |
| Fixed 1 year, Owner occupier, Interest only, LVR 90 to 95%90-95 | 6.64% | 6.67% |
| Fixed 2 years, Investor, Interest only, LVR up to 60%<60 | 6.64% | 6.51% |
| Fixed 2 years, Investor, Interest only, LVR 60 to 80%60-80 | 6.64% | 6.55% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 90%<90 | 6.64% | 6.67% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90%80-90 | 6.64% | 6.76% |
| Fixed 2 years, Owner occupier, Interest only, LVR 90 to 95%90-95 | 6.64% | 6.67% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 60%<60 | 6.64% | 6.46% |
| Fixed 3 years, Investor, Interest only, LVR up to 60%<60 | 6.69% | 6.55% |
| Fixed 3 years, Investor, Interest only, LVR 60 to 80%60-80 | 6.69% | 6.58% |
| Fixed 5 years, Owner occupier, P&I, LVR 60 to 90%60-90 | 6.69% | 6.51% |
| Variable, Investor, P&I, LVR 80 to 90%80-90 | 6.69% | 6.77% |
| Variable, Owner occupier, Interest only, LVR up to 90%<90 | 6.69% | 6.70% |
| Variable, Owner occupier, Interest only, LVR 90 to 95%90-95 | 6.69% | 6.70% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90%80-90 | 6.74% | 6.77% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90%80-90 | 6.74% | 6.77% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 90%<90 | 6.74% | 6.70% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90%80-90 | 6.74% | 6.78% |
| Fixed 3 years, Owner occupier, Interest only, LVR 90 to 95%90-95 | 6.74% | 6.70% |
| Fixed 5 years, Investor, P&I, LVR up to 60%<60 | 6.74% | 6.62% |
| Variable, Investor, Interest only, LVR 80 to 90%80-90 | 6.74% | 6.78% |
| Fixed 5 years, Investor, P&I, LVR 60 to 80%60-80 | 6.79% | 6.67% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90%80-90 | 6.84% | 6.80% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 60%<60 | 6.84% | 6.54% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 90%<90 | 6.84% | 6.78% |
| Fixed 5 years, Owner occupier, P&I, LVR 90 to 95%90-95 | 6.84% | 6.78% |
| Fixed 5 years, Investor, Interest only, LVR up to 60%<60 | 6.89% | 6.68% |
| Fixed 5 years, Owner occupier, Interest only, LVR 60 to 90%60-90 | 6.89% | 6.59% |
| Fixed 5 years, Investor, Interest only, LVR 60 to 80%60-80 | 6.94% | 6.73% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90%80-90 | 6.94% | 6.88% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90%80-90 | 7.09% | 6.93% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 90%<90 | 7.09% | 6.88% |
| Fixed 5 years, Owner occupier, Interest only, LVR 90 to 95%90-95 | 7.09% | 6.88% |
| Variable, Owner occupier, Interest only, LVR up to 80%<80 | 7.34% | 6.40% |
Rate moves, last 30 days
- 3 November 2026: 6 tiers lifted 0.15pp; the lowest, Fixed 2 years, Owner occupier, P&I, LVR up to 90%, from 6.34% to 6.49%.
- 3 November 2026: 14 tiers lifted 0.35pp; the lowest, Fixed 3 years, Owner occupier, P&I, LVR up to 60%, from 6.09% to 6.44%.
Published fees
| Fee | Amount |
|---|---|
| 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 |
| Mortgage Discharge Feeon exit: Payable when you ask us to prepare a discharge of mortgage. | $294 |
| Additional Statement Fee: $5.00 + $1.50 per page, payable when you request an additional statement. | see lender |
| Excess Valuation feewhen it happens: At Cost. | see lender |
| Establishment feeupfront | $600 |
| Arrears Letter Feewhen it happens: Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract. | $6.50 |
| Insurancewhen it happens: At Cost. | see lender |
| Stamp Dutywhen it happens: At Cost. | see lender |
| Independent Legal Advice/Interpreter Servicewhen it happens: At Cost. | see lender |
| Consent to Subdivision Feewhen it happens: Payable when you ask for our consent to register a subdivision or other plan or dealing. | $162 |
| PPSR Fees (Personal Properties Security Register)when it happens: At Cost. | see lender |
| Issue of Statutory Default Notice Legal Feesdishonour | see lender |
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