POLICE CREDIT UNION LIMITED
Low Rate Home Loan - Owner Occupied
POLICE CREDIT UNION LIMITED · residential mortgages
Provider last updated this product 2026-05-26.
Go to provider
You'll complete your application on
POLICE CREDIT UNION LIMITED's website. Confirm the rate and fees with them
before applying.
Low Rate Home Loan - Owner Occupied
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 5.89% | 5.95% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR up to 80% | calculated daily |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| HOME_PROPERTY_CREDIT_PACKAGE_FEE | UPFRONT | $420 | is charged for establishing all home loans with the exception of Commercial Loans |
| APPLICATION_FEE_SPLIT_LOAN | UPFRONT | $50 | in addition to any other Application or Package Fee applicable to loan(s) in question |
| APPLICATION_FEE_FURTHER_ADVANCE | UPFRONT | $275 | - |
| BANK_CHEQUE_FEE | PAYMENT | $12 | Per cheque - Purchase of a bank cheque for settlement |
| 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. |
| 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. |
| 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. |
| TITLE_SEARCH_(SA) | CASH_ADVANCE | $35.50 | Per search - provides a copy of the title of the property |
| TITLE_SEARCH_(NT) | CASH_ADVANCE | $55.78 | Per Search - provides a copy of the title to the property |
| DOCUMENT_SEARCH | CASH_ADVANCE | $11.50 | Per search - provides a duplicate copy of a registered document from Property Assist |
| 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. |
| VALUATION_FEE_(NT) | CASH_ADVANCE | $205 | from $205.00, please see tier Valuation Fee for Property Value up to over $1,500,000 |
| 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. |
| CAPITAL_VALUE_SEARCH | CASH_ADVANCE | $0 | - |
| 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. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 5.89% | 5.95% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- residency status
- min age - 18
Limits
- min balance - 200000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-05-26T14:07:35.000+09:30 · Product ID: OO_LRHL_MAX_80_LVR_200K_MIN