POLICE CREDIT UNION LIMITED
Low Rate Home Loan - Owner Occupied
Low Rate Home Loan - Owner Occupied
Home loansBank updated 26 May 2026
At a glance
- Variable (owner occ. P&I)
- 5.89% · 5.95% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied · P&I | — | ≤80% LVR | 5.89% | 5.95% | — |
§ 02 — Fees · 23
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CAPITAL_VALUE_SEARCH | Cash advance | No fee | — | — |
| CONVEYANCER'S_/_SOLICITOR'S_FEE | Cash advance | $141.64 | — | Per instrument - Outside of SA and NT as charged by Conveyancer/Solicitor. Covers preparation of mortgage documents, and attendance at settlement. |
| DOCUMENT_SEARCH | Cash advance | $11.50 | — | Per search - provides a duplicate copy of a registered document from Property Assist |
| REGISTRATION_FEE_(NT) | Cash advance | $176 | — | Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title. |
| REGISTRATION_FEE | Cash advance | $198 | — | Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title. |
| TITLE_SEARCH_(NT) | Cash advance | $55.78 | — | Per Search - provides a copy of the title to the property |
| TITLE_SEARCH_(SA) | Cash advance | $35.50 | — | Per search - provides a copy of the title of the property |
| VALUATION_FEE_(NT) | Cash advance | $205 | — | from $205.00, please see tier Valuation Fee for Property Value up to over $1,500,000 |
| VALUATION_FEE | Cash advance | $205 | — | From $205 - a fee charged to value the proposed security property for metropolitan area. Outside metropolitan area as charged by the valuer. |
| DEED_OF_PRIORITY_FEE | Event | $110 | — | Payable whenever we prepare a Deed of Priority. |
| DEFAULT_FEE | Event | $15 | — | Payable whenever your repayments become in arrears by 15 days or more. |
| DEMAND_FEE | Event | $50 | — | Payable whenever we send you a notice demanding that you remedy a default under your contract. |
| DISHONOUR_FEE | Event | $15 | — | Payable whenever a direct debit, cheque or payment order to your account is declined or dishonoured. |
| DOCUMENT_HANDLING_FEE | Event | $55 | — | Payable whenever we consent to registration of a subsequent dealing on the title. |
| PROGRESSIVE_DRAWDOWN_FEE | Event | $500 | — | 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. |
| QUICK_DEBIT_DISHONOUR_FEE | Event | $15 | — | Payable whenever a scheduled Quick Debit order to your account is dishonoured. |
| REPAYMENT_VARIATION_FEE | Event | $30 | — | Payable whenever we change your repayments at your request. |
| VARIATION_OF_SECURITY_FEE | Event | $150 | — | Payable whenever we consent to the substitution of the mortgaged property. |
| BANK_CHEQUE_FEE | Payment | $12 | — | Per cheque - Purchase of a bank cheque for settlement |
| ACCOUNT_SWEEP_FEE | Transaction | $5 | — | 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. |
| APPLICATION_FEE_FURTHER_ADVANCE | Upfront | $275 | — | — |
| APPLICATION_FEE_SPLIT_LOAN | Upfront | $50 | — | in addition to any other Application or Package Fee applicable to loan(s) in question |
| HOME_PROPERTY_CREDIT_PACKAGE_FEE | Upfront | $420 | — | 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 |
§ 03 — Features
Offset accountRedrawExtra repaymentsInstant paymentsPayIDDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Minimum balance $200,000
§ 05 — Compare
§ 06 — Run the numbers
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Published by Police Credit Union Ltd under the Consumer Data Right, last changed by them on 26 May 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.