{
  "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Police Bank",
    "description": "Helping Police Officers with a low rate home loan that has a great range of features to help pay off your home sooner.",
    "isTailored": false,
    "lastUpdated": "2026-05-19T04:36:10.153Z",
    "name": "Police Value Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "e90d86eb-0cba-44f9-84b0-de05030cade4",
    "additionalInformation": {
      "overviewUri": "https://www.policebank.com.au/forms/apply-for-home-loan",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.policebank.com.au/important-documents",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.policebank.com.au/forms/apply-for-home-loan",
    "brandName": null,
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-09-30T00:00:00Z",
    "effectiveTo": null,
    "bundles": null,
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0.95"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Police Value Home Loan only available to current serving Police Officers or a Retired Police Officer(s) who are a member of a Union that is associated with the Police Federation of Australia. This includes NSW Police Association (including Associate members), and the Australian Federal Police Association.",
        "additionalInfoUri": "https://www.policebank.com.au/loans/home-loans",
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Citizen"
      }
    ],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "Not Available for Fixed Loans or Interest Only",
        "additionalInfoUri": "https://www.policebank.com.au/loans/home-loans",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Fee Free redraw",
        "additionalInfoUri": "https://www.policebank.com.au/loans/home-loans",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for the ACT Rent Land Scheme",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited free additional repayments - Up to $9,999 per calendar year for the fixed term\n",
        "additionalInfoUri": "https://www.policebank.com.au/loans/home-loans",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Confirmation Of Payee",
        "additionalInfoUri": "https://www.policebank.com.au/confirmation-of-payee",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "PERIODIC",
        "name": "Monthly Product Split Fee",
        "additionalInfo": "$7 per additional product per month during the period of the split, debited to the account for the other product each month.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Mortgage Discharge Fee",
        "additionalInfo": "Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "294.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "OTHER",
        "name": "Additional Statement Fee",
        "additionalInfo": "$5.00 + $1.50 per page, payable when you request an additional statement.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Excess Valuation fee",
        "additionalInfo": "At Cost. Payable if and when the costs of valuing your security property/ies exceeds $300 in aggregate over the term of the loan. Calculated as an amount of the excess.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Letter Fee",
        "additionalInfo": "Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Insurance",
        "additionalInfo": "At Cost. Insurance requirements may vary from applicant to applicant. Any compulsory insurance requirements will be advised on application. For example, you may be required to pay for Lenders Mortgage Insurance; and must pay mortgage property and Motor Vehicle Insurance.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Stamp Duty",
        "additionalInfo": "At Cost. Payable at the rate charged by the Office of State Revenue or its interstate counterparts when payable by law.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Independent Legal Advice/Interpreter Service",
        "additionalInfo": "At Cost. You may be advised to seek independent legal  advice or interpreter services. If so, you will be charged a fee by the service provider.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Consent to Subdivision Fee",
        "additionalInfo": "Payable when you ask for our consent to register a subdivision or other plan or dealing.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "162.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "PPSR Fees (Personal Properties Security Register)",
        "additionalInfo": "At Cost. Certain loans will require us to use the services of PPSR. If we do so, the following may be payable; PPSR Registration Fee, PPSR Financier Interest Enquiry and PPSR Variation of Interest.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Issue of Statutory Default Notice Legal Fees",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Pest & Building Inspections Fees",
        "additionalInfo": "At Cost. Payable to inspectors if we require a pest or building inspection.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Bridging Home Loan Establishment Fee",
        "additionalInfo": "For Bridging Loans only",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "880.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Other Legal/ Solicitors Fees",
        "additionalInfo": "At Cost. Payable to our solicitors when you ask us to take any action in respect of the loan or your property and we incur legal fees.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Second Mortgage Consent Fee",
        "additionalInfo": "Payable when you ask us to consent to a second mortgage",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default Notice Fee",
        "additionalInfo": "Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Substituting of Security Legal fee",
        "additionalInfo": "Payable to us when you substitute an existing property with a new property as security for your home loan. ",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "605.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Legal/Securities fees",
        "additionalInfo": "At Cost.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Substituting Securities fee",
        "additionalInfo": "Payable to us when you substitute an existing property with a new property as security for your home loan.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "315.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Mortgage Loan Top Up / Increase in Credit Limit Fee",
        "additionalInfo": "Payable on application or funding. Applies to all Home Loan Applications",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "315.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Production of Title Fee",
        "additionalInfo": "Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "110.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Other Government Duties & Taxes",
        "additionalInfo": "At Cost. Any applicable Government Taxes, Duties and Fees will be passed on to you.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "RTGS Transfer Fee",
        "additionalInfo": "Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "OTHER",
        "name": "Third Party Costs",
        "additionalInfo": "Any other costs charged to us by a third party will be passed on to you. Some examples are as follows:\r\n• Title Change Fee\r\n• Land and Property Information Search Fees\r\n• Land and Property Information Registration Fees",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "OTHER",
        "name": "Early Repayment Fee",
        "additionalInfo": "Early Repayment Fee payable, if, during any fixed rate period, you:\r\n(a)\trepay the whole of your unpaid balance (full early repayment);\r\n(b)\tpay $5000 or more in repayments above the contractual repayments (partial early repayment); or\r\n(c)\tbecome obliged to repay the whole loan after you have defaulted (full early repayment)\r\n\r\nand the fixed rate that applied to the loan is more than the prevailing market interest rate at the time of the early repayment, as determined by us in our absolute discretion.\r\n",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "General Consent Fee",
        "additionalInfo": "Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable).",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Additional Valuation Fee",
        "additionalInfo": "At Cost. Payable to our valuer if more than one security is required for your loan and/or when application is made for additional finance and/or altering the title of the property or the property itself and Police Bank Loan policy dictates that a subsequent valuation is required.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Late Payment Fee",
        "additionalInfo": "Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Stamp Duty Increase Fee",
        "additionalInfo": "At Cost. Payable at the rate charged by the Office of State Revenue or its interstate counterparts when topping up an existing loan where the original stamp duty is not sufficient; when payable by law.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges",
        "additionalInfo": "At Cost. Payable to our solicitors when we incur costs in the enforcement of your contract. The costs may include court costs, legal costs, repossession costs and administrative costs.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Fixed Rate Lock Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0604",
        "additionalInfo": "Owner Occupied P&I LVR<60% C13",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P1M",
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