Goldrate Home Loan

Our low rate home loan comes with a great range of features to help you pay off your home sooner.

From (owner occupied): 6.09%; 6.16% comparison

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Variable Owner Occupied P&I LVR<60% C13	6.09%	6.16%	<60
Variable Owner Occupied P&I LVR 60%-80% C14	6.14%	6.21%	0.6–0.8%
Fixed · 3 years Owner Occupied P&I LVR<60% 3 Yr C13	6.24%	6.21%	<60
Fixed · 3 years Owner Occupied P&I LVR 60%-80% 3 Yr C14	6.24%	6.24%	0.6–0.8%
Fixed · 1 year Owner Occupied P&I LVR<60% 1 Yr C13	6.34%	6.19%	<60

Fees

Fee	Type	Amount
Substituting Securities fee Payable to us when you substitute an existing property with a new property as security for your home loan.	Event	$315.00
Legal/Securities fees At Cost.	Event	From $0.00
Dishonoured Member Cheque fee Per cheque dishonoured.	Event	$9.00
Stamp Duty Increase Fee 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.	Event	From $0.00
Dishonoured Cheque fee Payable when a cheque or other payment to your account is dishonoured.	Event	$9.00
Fixed Rate Lock Fee	Event	$600.00
Substituting of Security Legal fee Payable to us when you substitute an existing property with a new property as security for your home loan.

Features

Redraw facility: Fee Free redraw
Offset account: Not Available for Fixed Loans or Interest Only
No Monthly Account Keeping Fees
Extra repayments: Unlimited free additional repayments - Up to $9,999 per calendar year for the fixed term
Available for the ACT Land Rent Scheme
Confirmation Of Payee
Split loan

Eligibility

Minimum age — 18 years
Individuals only
Residency status — Australian Residents
Residency status — Australian Citizen

Constraints

Minimum limit — $50,000.00
Maximum LVR — 95%

More Information

Published by Police Bank under the Consumer Data Right · Last updated 19 May 2026 · Product ID 28c6f47a-39fe-40f4-abba-d27976d75f29 · View on CDR.gov.au

Type	Rate	Comparison	Applies To
Variable Owner Occupied IO LVR<60% C13	6.39%	6.29%	<60
Fixed · 3 years Owner Occupied IO LVR<60% 3 Yr C13	6.39%	6.24%	<60
Fixed · 3 years Owner Occupied IO LVR 60%-80% 3 Yr C14	6.39%	6.28%	0.6–0.8%
Variable Owner Occupied IO LVR 60%-80% C14	6.44%	6.34%	0.6–0.8%
Fixed · 1 year Owner Occupied IO LVR<60% 1 Yr C13	6.49%	6.2%	<60
Fixed · 2 years Owner Occupied IO LVR<60% 2 Yr C13	6.49%	6.24%	<60
Fixed · 1 year Owner Occupied IO LVR 60%-80% 1 Yr C14	6.49%	6.25%	0.6–0.8%
Fixed · 2 years Owner Occupied IO LVR 60%-80% 2 Yr C14	6.49%	6.28%	0.6–0.8%
Variable Owner Occupied IO LVR>80% C7	6.49%	6.5%	0.8–0.95%
Fixed · 3 years Owner Occupied IO LVR>80% 3 Yr C7	6.49%	6.49%	0.8–0.95%
Variable Owner Occupied IO LVR=90% C10 ACT Land Rent Scheme	6.49%	6.5%	<90
Fixed · 3 years Owner Occupied IO LVR=90% 3 Yr C10 ACT Land Rent Scheme	6.49%	6.49%	<90
Fixed · 1 year Owner Occupied IO LVR>80% 1 Yr C7	6.59%	6.48%	0.8–0.95%
Fixed · 2 years Owner Occupied IO LVR>80% 2 Yr C7	6.59%	6.5%	0.8–0.95%
Fixed · 1 year Owner Occupied IO LVR=90% 1 Yr C10 ACT Land Rent Scheme	6.59%	6.48%	<90
Fixed · 2 years Owner Occupied IO LVR=90% 2 Yr C10 ACT Land Rent Scheme	6.59%	6.5%	<90
Fixed · 5 years Owner Occupied IO LVR<60% 5 Yr C13	6.79%	6.46%	<60
Fixed · 5 years Owner Occupied IO LVR 60%-80% 5 Yr C14	6.84%	6.51%	0.6–0.8%
Fixed · 5 years Owner Occupied IO LVR>80% 5 Yr C7	7.04%	6.74%	0.8–0.95%
Fixed · 5 years Owner Occupied IO LVR=90% 5 Yr C10 ACT Land Rent Scheme	7.04%	6.74%	<90
Variable Bridging Loan up to 80% C9	7.09%	6.33%	<80

Type	Rate	Comparison	Applies To
Variable Investment P&I LVR<60% C8	6.29%	6.36%	<60
Variable Investment P&I LVR 60% -<80% C15	6.34%	6.41%	0.6–0.8%
Fixed · 3 years Investment P&I LVR<60% 3 Yr C8	6.39%	6.39%	<60
Fixed · 3 years Investment P&I LVR 60% -<80% 3 Yr C15	6.39%	6.43%	0.6–0.8%
Fixed · 1 year Investment P&I LVR<60% 1 Yr C8	6.49%	6.38%	<60
Fixed · 2 years Investment P&I LVR<60% 2 Yr C8	6.49%	6.4%	<60
Fixed · 1 year Investment P&I LVR 60% -<80% 1 Yr C15	6.49%	6.43%	0.6–0.8%
Fixed · 2 years Investment P&I LVR 60% -<80% 2 Yr C15	6.49%	6.44%	0.6–0.8%
Variable Investment P&I LVR 80%-90% C16	6.49%	6.56%	0.8–0.9%
Fixed · 3 years Investment P&I LVR 80%-90% 3 Yr C16	6.49%	6.56%	0.8–0.9%
Fixed · 1 year Investment P&I LVR 80%-90% 1 Yr C16	6.59%	6.58%	0.8–0.9%
Fixed · 2 years Investment P&I LVR 80%-90% 2 Yr C16	6.59%	6.58%	0.8–0.9%
Fixed · 5 years Investment P&I LVR<60% 5 Yr C8	6.69%	6.54%	<60
Fixed · 5 years Investment P&I LVR 60% -<80% 5 Yr C15	6.74%	6.59%	0.6–0.8%
Fixed · 5 years Investment P&I LVR 80%-90% 5 Yr C16	6.89%	6.74%	0.8–0.9%

Type	Rate	Comparison	Applies To
Variable Investment IO LVR<60% C8	6.44%	6.42%	<60
Fixed · 3 years Investment IO LVR<60% 3 Yr C8	6.49%	6.42%	<60
Variable Investment IO LVR 60% -<80% C15	6.49%	6.47%	0.6–0.8%
Fixed · 3 years Investment IO LVR 60% -<80% 3 Yr C15	6.49%	6.45%	0.6–0.8%
Variable Investment IO LVR 80%-90% C16	6.54%	6.58%	0.8–0.9%
Fixed · 1 year Investment IO LVR<60% 1 Yr C8	6.59%	6.39%	<60
Fixed · 2 years Investment IO LVR<60% 2 Yr C8	6.59%	6.42%	<60
Fixed · 1 year Investment IO LVR 60% -80% 1 Yr C15	6.59%	6.44%	0.6–0.8%
Fixed · 2 years Investment IO LVR 60% -<80% 2 Yr C15	6.59%	6.46%	0.6–0.8%
Fixed · 3 years Investment IO LVR 80%-90% 3 Yr C16	6.59%	6.59%	0.8–0.9%
Fixed · 1 year Investment IO LVR 80%-90% 1 Yr C16	6.69%	6.58%	0.8–0.9%
Fixed · 2 years Investment IO LVR 80%-90% 2 Yr C16	6.69%	6.6%	0.8–0.9%
Fixed · 5 years Investment IO LVR<60% 5 Yr C8	6.84%	6.6%	<60
Fixed · 5 years Investment IO LVR 60% -<80% 5 Yr C15	6.89%	6.65%	0.6–0.8%
Fixed · 5 years Investment IO LVR 80%-90% 5 Yr C16	7.04%	6.8%	0.8–0.9%