Police Credit Union Limited3 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
3 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
At a glance
- Fixed
- 3 yrs 6.29%
- Max LVR
- 80%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.29% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 2nd lowest of 80 |
Rates
The one rate Police Credit Union Limited publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤80% LVR | 6.29% | 7.03% | - |
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
- Residency: Australian Resident
- Minimum balance $150,000
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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.