--- title: "Low Rate Home Loan - First Home Buyer — Police Credit Union Ltd" description: "Home Loans from Police Credit Union Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/police-credit-union-ltd/products/FHB_LRHL_MAX_95_LVR source: "CDR Compare" language: en-AU last_updated: 2026-07-01T14:02:14.000+09:30 --- # Low Rate Home Loan - First Home Buyer — Police Credit Union Ltd > Home Loans from Police Credit Union Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans · POLICE CREDIT UNION LIMITED** Low Rate Home Loan - First Home Buyer ## At a glance - **From (owner occupied):** 5.89% (5.93% comparison) ## Apply Applications are handled by the provider: [Apply at Police Credit Union Ltd](https://www.policecu.com.au/PCUDocuments/Credit_Application_Form_New_Home_Loans_and_Refinance.pdf) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable | 5.89% | 5.93% | LVR <95% | ## Fees | Fee | Type | Amount | | --- | --- | --- | | HOME_PROPERTY_CREDIT_PACKAGE_FEE — is charged for establishing all home loans with the exception of Commercial Loans · Discount −$50.00 — Whole of pay to PCU · Discount −$50.00 — Visa Credit Card · Discount −$50.00 — General Insurance · Discount −$50.00 — 10 years PCU membership · Discount −$50.00 — Savings / Investments held with PCU for 3mths or over · Discount −$420.00 — Former <18yr old Members | Upfront | $420.00 | | APPLICATION_FEE_SPLIT_LOAN — in addition to any other Application or Package Fee applicable to loan(s) in question | Upfront | $50.00 | | APPLICATION_FEE_FURTHER_ADVANCE | Upfront | $275.00 | | BANK_CHEQUE_FEE — Per cheque - Purchase of a bank cheque for settlement | Payment | $12.00 | | CONVEYANCER'S_/_SOLICITOR'S_FEE — Per instrument - Outside of SA and NT as charged by Conveyancer/Solicitor. Covers preparation of mortgage documents, and attendance at settlement. | Cash advance | $141.64 | | REGISTRATION_FEE — Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title. | Cash advance | $198.00 | | REGISTRATION_FEE_(NT) — Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title. | Cash advance | $176.00 | | TITLE_SEARCH_(SA) — Per search - provides a copy of the title of the property | Cash advance | $35.50 | | TITLE_SEARCH_(NT) — Per Search - provides a copy of the title to the property | Cash advance | $55.78 | | DOCUMENT_SEARCH — Per search - provides a duplicate copy of a registered document from Property Assist | Cash advance | $11.50 | | VALUATION_FEE — From $205 - a fee charged to value the proposed security property for metropolitan area. Outside metropolitan area as charged by the valuer. | Cash advance | $205.00 | | VALUATION_FEE_(NT) — from $205.00, please see tier Valuation Fee for Property Value up to over $1,500,000 | Cash advance | $205.00 | | ACCOUNT_SWEEP_FEE — Charged at time of transfer - Payable whenever we transfer funds from one of your accounts to another (other than on your instructions) to cover payments arrears or amounts overdrawn. | Transaction | $5.00 | | CAPITAL_VALUE_SEARCH | Cash advance | $0.00 | | DEED_OF_PRIORITY_FEE — Payable whenever we prepare a Deed of Priority. | Event | $110.00 | | DEFAULT_FEE — Payable whenever your repayments become in arrears by 15 days or more. | Event | $15.00 | | DEMAND_FEE — Payable whenever we send you a notice demanding that you remedy a default under your contract. | Event | $50.00 | | DISHONOUR_FEE — Payable whenever a direct debit, cheque or payment order to your account is declined or dishonoured. | Event | $15.00 | | DOCUMENT_HANDLING_FEE — Payable whenever we consent to registration of a subsequent dealing on the title. | Event | $55.00 | | PROGRESSIVE_DRAWDOWN_FEE — Payable when we make a number of progressive payments to fund your loan amount, typically for construction or major renovation finance. Payable upon initial disbursement of your loan. | Event | $500.00 | | QUICK_DEBIT_DISHONOUR_FEE — Payable whenever a scheduled Quick Debit order to your account is dishonoured. | Event | $15.00 | | REPAYMENT_VARIATION_FEE — Payable whenever we change your repayments at your request. | Event | $30.00 | | VARIATION_OF_SECURITY_FEE — Payable whenever we consent to the substitution of the mortgaged property. | Event | $150.00 | ## Features - **Digital banking** - **Real-time payments (NPP)** - **PayID** - **Redraw facility** - **Offset account** - **Extra repayments** ## Eligibility - **Residency status** - **Minimum age** — 18 years ## Constraints - **Minimum balance** — $200,000.00 ## More information from Police Credit Union Ltd - [Overview](https://www.policecu.com.au/product-type/home-loans/) - [Terms & conditions](https://www.policecu.com.au/rates/) - [Eligibility](https://www.policecu.com.au/rates/) - [Fees & pricing](https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf) - [Bundle information](https://www.policecu.com.au/rates/) ## Data provenance - Published by Police Credit Union Ltd under the Consumer Data Right - Product ID: `FHB_LRHL_MAX_95_LVR` - Last updated by the provider: 1 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/police-credit-union-ltd/FHB_LRHL_MAX_95_LVR - Provider page: https://www.cdrcompare.au/brands/police-credit-union-ltd - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000188 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/police-credit-union-ltd/products/FHB_LRHL_MAX_95_LVR) — product data published by Australian data holders under the Consumer Data Right. 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