Police Credit Union Limited5 Year Fixed Rate Home Loan 90% LVR IO - Investment
5 Year Fixed Rate Home Loan 90% LVR IO - Investment
At a glance
- Max LVR
- 90%
- Features
- redraw, extra repayments
Rates
The one rate Police Credit Union Limited publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 5 yrs fixed | 80–90% LVR | 7.09% | 7.24% | - |
Fees
23 fees published, grouped by when they're charged.
When you take it out3
- APPLICATION_FEE_FURTHER_ADVANCE$275
- APPLICATION_FEE_SPLIT_LOAN
in addition to any other Application or Package Fee applicable to loan(s) in question
$50 - HOME_PROPERTY_CREDIT_PACKAGE_FEE
is charged for establishing all home loans with the exception of Commercial Loans Whole of pay to PCU Visa Credit Card General Insurance 10 years PCU membership Savings / Investments held with PCU for 3mths or over Former <18yr old Members
$420
When you make a transaction11
- CAPITAL_VALUE_SEARCHNo fee
- CONVEYANCER'S_/_SOLICITOR'S_FEE
Per instrument - Outside of SA and NT as charged by Conveyancer/Solicitor. Covers preparation of mortgage documents, and attendance at settlement.
$141.64 - DOCUMENT_SEARCH
Per search - provides a duplicate copy of a registered document from Property Assist
$11.50 - REGISTRATION_FEE_(NT)
Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title.
$176 - REGISTRATION_FEE
Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title.
$198 - TITLE_SEARCH_(NT)
Per Search - provides a copy of the title to the property
$55.78 - TITLE_SEARCH_(SA)
Per search - provides a copy of the title of the property
$35.50 - VALUATION_FEE_(NT)
from $205.00, please see tier Valuation Fee for Property Value up to over $1,500,000
$205 - VALUATION_FEE
From $205 - a fee charged to value the proposed security property for metropolitan area. Outside metropolitan area as charged by the valuer.
$205 - BANK_CHEQUE_FEE
Per cheque - Purchase of a bank cheque for settlement
$12 - ACCOUNT_SWEEP_FEE
Charged at time of transfer - Payable whenever we transfer funds from one of your accounts to another (other than on your instructions) to cover payments arrears or amounts overdrawn.
$5
When particular things happen9
- DEED_OF_PRIORITY_FEE
Payable whenever we prepare a Deed of Priority.
$110 - DEFAULT_FEE
Payable whenever your repayments become in arrears by 15 days or more.
$15 - DEMAND_FEE
Payable whenever we send you a notice demanding that you remedy a default under your contract.
$50 - DISHONOUR_FEE
Payable whenever a direct debit, cheque or payment order to your account is declined or dishonoured.
$15 - DOCUMENT_HANDLING_FEE
Payable whenever we consent to registration of a subsequent dealing on the title.
$55 - PROGRESSIVE_DRAWDOWN_FEE
Payable when we make a number of progressive payments to fund your loan amount, typically for construction or major renovation finance. Payable upon initial disbursement of your loan.
$500 - QUICK_DEBIT_DISHONOUR_FEE
Payable whenever a scheduled Quick Debit order to your account is dishonoured.
$15 - REPAYMENT_VARIATION_FEE
Payable whenever we change your repayments at your request.
$30 - VARIATION_OF_SECURITY_FEE
Payable whenever we consent to the substitution of the mortgaged property.
$150
Features
Eligibility and limits
- Minimum age 18
- Minimum balance $20,000
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Published by Police Credit Union Ltd under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.