Home loans
The PC Home Loan Centre offers friendly, personalised assistance and a range of home loan options.
You can complete your application online, over the phone, or if you prefer, visit a PC branch. In most cases, you will have an answer in 24 hours (or next business day).
 Available to owner-occupiers and investors
No account keeping, management or annual fees
No monthly fees
Finance for up to 90% of your property’s value
Variable, fixed rate and interest only loans available
Flexible repayment options
Free pre-approval certificate – usually on the spot (valid for three months)
Competitive, obligation-free insurance quotes
Optional loan protection insurance available
Select from our range of home loans:
Standard variable interest rate home loan
Fixed interest rate home loan
Interest only home loan
More
Can’t choose? Why not split your PC home loan between standard variable and fixed interest rate components? (minimum of $50,000 for fixed portion). Redraw, refinancing and top-up options are also available.
Comparison Rates Schedule
Compare our loans
Call Home Loan Centre on 13 63 73, press 4 then press 1
Buying a home is one of the most important decisions that you’ll make in your life
Free of account keeping, management and annual fees
No monthly fees
Finance for up to 90% of your property’s value
Competitive no-obligation insurance quote
more INFO
home and contents INSURANCE
Police Credit investment home loans currently offers the same interest rates as owner-occupied loans
Free of account keeping, management and annual fees
No monthly fees
Finance for up to 90% of your investment property’s value
Competitive no-obligation insurance quotes
more INFO
home and contents INSURANCE
If you want to move to a bigger home, renovate your current home or borrow money for other purposes, our home loan consultants can help work out a plan to suit your needs
Free of account keeping, management and annual fees
No monthly fees
more INFO
home and contents INSURANCE
You may use the equity in your home for any financial purpose
Travel
Purchasing whitegoods, furniture, etc
Buy shares
more INFO
home and contents INSURANCE
Police Credit offers members a reverse mortgage product through the Australian Seniors Finance (ASF) Lifetime Loan
A cash resource for whatever you need
Title stays in your name and your home is yours for life
Take the loan as a lump sum, regular payments or a combination
Cash reserve facility
No negative equity guarantee
more INFO
Buying a home is one of the most important decisions that you’ll make in your life. That’s why it’s critical that you plan well ahead. Your Home Buying Guide includes:
Range of useful information such as organizing finances, the advantages of buying an established home versus building your own home
A needs and wants, and a home loan costs checklist to assist with your requirements
Glossary of different terms used in the home loan process
Step-by-step outline of the Police Credit home loan process.
more INFO
A simple way to ensure your loan repayments are made even if something happens to you - in the event of death or if you are injured in an accident or get sick and are unable to work
more INFO
Fees and Charges apply. Information on Terms & Conditions/Fees & Charges applying to our products and services is available upon application or request. This information has been prepared without taking account of the objectives, financial situation or
needs of any particular individual. For this reason, any individual should, before acting on this information, consider the appropriateness of the information having regard to their individual objectives, financial situation and needs and, if necessary, seek appropriate advice. Before you make any decision to acquire any general insurance product or service you should obtain and consider the relevant Product Disclosure Statement available from any branch of Police Credit or by calling 13 63 73. Police Credit provides insurance products as an agent from CGU Insurance Limited ABN 27 004 478 971 AFSL 238291 and Allianz Australia Limited ABN 15 000 122 850 AFSL 234708.
Applications for the Lifetime Loans are subject to Australian Seniors Finance Limited's normal loan approval. Full terms and conditions will be included in any loan offer. Fees and charges are payable. Australian Seniors Finance Limited ACN: 108 875 636. The ASF Lifetime Loan is a reverse mortgage product issued by a member of the Australian Seniors Finance Limited group of companies. The ASF group of companies is not related to Police Credit. Police Credit is only a promoter and distributor of the ASF Lifetime Loan. Successful applicants will not be entering into any agreement with Police Credit.
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