Home loan · 5yr Fixed
Fixed Rate Home Loan
6.97%comparison rate p.a. · 6.49% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
35th of 61 5-year fixed owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $275
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.20% comparison · 6.19% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 7.23% comparison · 6.49% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 7.21% comparison · 6.29% advertised
- 1yr Fixed · P&I · Investor · 80–90% LVR
- 7.24% comparison · 6.59% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.26% comparison · 6.79% advertised
- 1yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.26% comparison · 6.79% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.12% comparison · 6.29% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 7.18% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 7.14% comparison · 6.39% advertised
- 2yr Fixed · P&I · Investor · 80–90% LVR
- 7.20% comparison · 6.69% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.24% comparison · 6.89% advertised
- 2yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.24% comparison · 6.89% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.03% comparison · 6.29% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 7.12% comparison · 6.59% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 7.06% comparison · 6.39% advertised
- 3yr Fixed · P&I · Investor · 80–90% LVR
- 7.15% comparison · 6.69% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.21% comparison · 6.89% advertised
- 3yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.21% comparison · 6.89% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.03% comparison · 6.49% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 7.18% comparison · 6.89% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 7.07% comparison · 6.59% advertised
- 4yr Fixed · P&I · Investor · 80–90% LVR
- 7.18% comparison · 6.89% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.25% comparison · 7.09% advertised
- 4yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.25% comparison · 7.09% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.97% comparison · 6.49% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 7.15% comparison · 6.89% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 7.02% comparison · 6.59% advertised
- 5yr Fixed · P&I · Investor · 80–90% LVR
- 7.15% comparison · 6.89% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.24% comparison · 7.09% advertised
- 5yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.24% comparison · 7.09% advertised
- Application fee
- $275
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Fixed Rate Home Loan · 5yr Fixed · P&I · Owner-occupier
- RBA cash rate
No changes recorded for this product since tracking began on 11 November 2026.
5 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
Also from Police Credit Union Ltd: Low Rate Home Loan - First Home Buyer 6.18% · Low Rate Home Loan Special Offer 6.18% · Low Rate Home Loan - Owner Occupied 6.46% · Better Home Loan 95% LVR - First Home Buyer 6.91% · Fixed Rate Home Loan First Home Buyer 6.93% · Better Home Loan 7.01% · Standard Variable Home Loan 95% LVR - First Home Buyer 7.81% · Standard Variable Home Loan 7.81%
As of 13 November 2026, the Police Credit Union Ltd Fixed Rate Home Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 6.97% (6.49% advertised), ranking 35th of 61 5-year fixed owner-occupier P&I loans. The product comes in 30 variants; the others are investor, interest-only, other fixed terms and other LVR bands. From the provider's Consumer Data Right feed, refreshed nightly.