Police Credit Union home loans

Police Credit Union has home loan rates starting from 5.14%.

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Richard Whitten

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Key takeaways

  • Police Credit Union is a member owned financial institution that offers a range of home loans for Australian borrowers.
  • It's a member owned financial institution based in Adelaide.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as credit cards, insurance, savings and investments, cars and personal loans.

Compare Police Credit Union home loans for January 2026

5 of 57 results
Updated regularly
Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
Police Credit Union logo
Finder score
9.9 Excellent
Police Credit Union Low Rate Special Offer Home Loan
Finder score
9.9 Excellent
Interest Rate
5.14%
Comparison Rate
5.19%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest30% min. equityInvestmentOffset account
Monthly Payment
$820
per month
View details
Compare product selection
Police Credit Union logo
Finder score
9.7 Excellent
Police Credit Union Low Rate Special Offer Home Loan
Finder score
9.7 Excellent
Interest Rate
5.14%
Comparison Rate
5.19%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest30% min. equityOwner-occupierOffset account
Monthly Payment
$820
per month
View details
Compare product selection
Police Credit Union logo
Finder score
9.6 Excellent
Police Credit Union First Home Buyer Low Rate Home Loan
Finder score
9.6 Excellent
Interest Rate
5.24%
Comparison Rate
5.27%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest5% min. equityOwner-occupierOffset accountLMI
Monthly Payment
$829
per month
View details
Compare product selection
Police Credit Union logo
Finder score
9.6 Excellent
Police Credit Union Low Rate Special Offer Home Loan
Finder score
9.6 Excellent
Interest Rate
5.24%
Comparison Rate
5.29%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierOffset account
Monthly Payment
$829
per month
View details
Compare product selection
Police Credit Union logo
Finder score
9.6 Excellent
Police Credit Union Low Rate Special Offer Home Loan
Finder score
9.6 Excellent
Interest Rate
5.39%
Comparison Rate
5.44%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityInvestmentOffset account
Monthly Payment
$843
per month
View details
Compare product selection
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Showing 5 of 57 results
Finder Awards badge

Police Credit Union scored in the Finder Awards

The Police Credit Union Low Rate Special Offer Home Loan - Variable LVR 80% (Investor) was highly commended for Best Investor P&I Variable Home Loan in the 2026 Finder Awards.

Full list of 2026 winners

Police Credit Union home loan features

Here are the key features and details you need to know about Police Credit Union's mortgage products.

FeatureDetails
Minimum depositIt's possible to get a home loan with a deposit as low as 10%.
Offset accountYou can get an offset account with several Police Credit Union loans.
Repayment optionsMany of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans.

How do I apply for a mortgage from Police Credit Union?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Police Credit Union you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

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What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Sources

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 689 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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