Home Loans
 Premium Variable Home Loan
The Police Credit Union Premium Home Loan is available whether you are buying or building a home, investing in property, refinancing, renovating or extending.
The Premium Home Loan is about offering home loan flexibility to suit your individual requirements. Flexible repayments, choice of interest types, 100% interest offset account and automatic repayments are just some of the options available.
The Police Credit Union Premium Home Loan is the loan that works to help you get ahead and secure the financial future for you and your family.
 Available for refinance, investment, building or renovating
100% interest offset savings account (Not available on fixed interest rates)
Fixed or variable interest rates
Split rate facility - part fixed, part variable
Principal and interest, interest only and interest capitalisation available
No account keeping fees
No penalty for additional payments
Flexible repayment options - weekly, fortnightly or monthly
Automatic repayments
Pre-approval available
Qualify for Member Rewards and receive bonus free ATM and unlimited Eftpos transactions as well as extra free personal cheques per month
Borrow up to 95% with Lenders Mortgage Insurance
Access to free Internet Banking* and Redidial Telephone Banking
Redraw facility
Own your home sooner with the Premium Home Loan 100% interest offset savings account
How the offset account works:
1. Deposit all your income into the Mortgage Offset Account to reduce the interest on your loan
2. Use the up to 55-day interest free period on your Police Credit Union Visa Credit Card to pay for all your living expenses and leave your salary as long as possible in the offset account
3. Make your full Visa Credit Card payment within the interest free period from the offset account
4. A 100% Mortgage offset account means every dollar saved reduces your Home Loan on a daily basis to help decrease your interest payable and own your home sooner
5. Your savings in the offset account are always available
Your Police Credit Union Home Loan may contribute to our Member Rewards Program helping to reduce (or eliminate) fees - save on ATM and EFTPOS transactions (as well as qualify for fee rebates), personal cheques and external electronic periodical payments.
To apply for a Home Loan contact your nearest Branch or Apply on-line.
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