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  RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  

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New Vision Financial Services
Call us on 1300 422 506
Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.79% (6.67%*) • Investment PI: 5.39% (6.59%*)

  Police Value Home Loan

Helping Police Officers with a low rate home loan that has a great range of features to help pay off your home sooner.
Category: Home Loans  Last Updated October 2, 2024  Effective October 16, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupied P&I LVR=90% 3 Yr C3 ACT Land Rent Scheme
Interest Rate
5.59% PA
Comparison Rate
6.21%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.49%, Comparison Rate 6.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <90
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <80
  • Lending Rate Type: Variable
  • Interest Rate: 7.09%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <90
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  90-95
Minimum: 90 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-90
Minimum: 60 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Offset Additional Information: Not Available for Fixed Loans or Interest Only
  • Redraw Additional Information: Fee Free redraw
  • Other Additional Information: Available for the ACT Rent Land Scheme
  • Other Additional Information: Up to $5,000 over the Fixed Term period

 Product Eligibility

  • Natural Person
  • Other - Police Officers. Additional Information: Police 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.
  • Min Age - 18.
  • Residency Status - Australian Residents.
  • Residency Status - Australian Citizen.

 Bank Fees and Charges

  • Monthly Product Split Fee (Periodic), Amount: 7.00.
  • Mortgage Discharge Fee (Exit), Amount: 294.00. Additional Information: Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office
  • Additional Statement Fee (Event), Amount: 5.00. Additional Information: Payable when you request an additional statement
  • Excess Valuation Fee (Variable), Amount: 0.00.
  • Establishment Fee (Upfront), Amount: 600.00.
  • Arrears Letter Fee (Event), Amount: 6.50. Additional Information: Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.
  • Insurance (Variable), Amount: 0.00.
  • Stamp Duty (Upfront), Amount: 0.00.
  • Independent Legal Advice/interpreter Service (Variable), Amount: 0.00.
  • Consent To Subdivision Fee (Event), Amount: 162.00. Additional Information: Payable when you ask for our consent to register a subdivision or other plan or dealing.
  • Ppsr Fees (personal Properties Security Register) (Periodic), Amount: 0.00.
  • Dishonoured Cheque Fee (Event), Amount: 9.00.
  • Issue Of Statutory Default Notice Legal Fees (Variable), Amount: 0.00.
  • Pest & Building Inspections Fees (Variable), Amount: 0.00.
  • Bridging Home Loan Establishment Fee (Event), Amount: 880.00.
  • Other Legal/ Solicitors Fees (Variable), Amount: 0.00.
  • Second Mortgage Consent Fee (Event), Amount: 75.00. Additional Information: Payable when you ask us to consent to a second mortgage
  • Default Notice Fee (Event), Amount: 21.50. Additional Information: Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.
  • Substituting Of Security Legal Fee (Upfront), Amount: 605.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.
  • Legal/securities Fees (Variable), Amount: 0.00.
  • Substituting Securities Fee (Event), Amount: 315.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.
  • Mortgage Loan Top Up/increase In Credit Limit Fee (Event), Amount: 315.00.
  • Production Of Title Fee (Upfront), Amount: 110.00. Additional Information: Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property
  • Other Government Duties & Taxes (Variable), Amount: 0.00.
  • Rtgs Transfer Fee (Upfront), Amount: 10.50. Additional Information: Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.
  • Third Party Costs (Variable), Amount: 0.00. Additional Information: Any other costs charged to us by a third party will be passed on to you. Some examples are as follows: • Title Change Fee • Land and Property Information Search Fees • Land and Property Information Registration Fees
  • Early Repayment Fee (Event), Amount: 0.00. Additional Information: Early Repayment Fee payable, if, during any fixed rate period, you: (a) repay the whole of your unpaid balance (full early repayment); (b) pay $5000 or more in repayments above the contractual repayments (partial early repayment); or (c) become obliged to repay the whole loan after you have defaulted (full early repayment) and the fixed rate that applied to the loan is more than the prevailing market interest rate at the time of the early repayment, as determined by us in our absolute discretion.
  • General Consent Fee (Event), Amount: 250.00. Additional Information: Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable).
  • Additional Valuation Fee (Variable), Amount: 0.00.
  • Dishonoured Member Cheque Fee (Event), Amount: 9.00.
  • Bank Cheque (Variable), Amount: 0.00.
  • Late Payment Fee (Event), Amount: 10.00. Additional Information: Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts
  • Stamp Duty Increase Fee (Variable), Amount: 0.00.
  • Future Legal Costs And Disbursements Relating To Any Variations, Dealings, Discharges (Event), Amount: 0.00.
  • Fixed Rate Lock Fee (Event), Amount: 600.00.

 Document Downloads

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New Vision Financial Services