Home loan · Variable
Standard Variable Home Loan
7.81%comparison rate p.a. · 7.74% advertised
Variable · P&I · Owner-occupier · ≤80% LVR
139th of 149 variable owner-occupier P&I loans
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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $275
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤80% LVR
- 7.81% comparison · 7.74% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 7.81% comparison · 7.74% advertised
- Variable · P&I · Investor · ≤80% LVR
- 8.31% comparison · 8.24% advertised
- Variable · P&I · Investor · 80–90% LVR
- 8.31% comparison · 8.24% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 8.30% comparison · 8.24% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 8.30% comparison · 8.24% advertised
- Application fee
- $275
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Standard Variable Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
No changes recorded for this product since tracking began on 11 November 2026.
Standard Variable 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% · Fixed Rate Home Loan 6.97% · Better Home Loan 7.01% · Standard Variable Home Loan 95% LVR - First Home Buyer 7.81%
As of 13 November 2026, the Police Credit Union Ltd Standard Variable Home Loan's variable owner-occupier P&I variant has a comparison rate of 7.81% (7.74% advertised), ranking 139th of 149 variable owner-occupier P&I loans and sitting 0.99 points above the market average of 6.82%. The product comes in 6 variants; the others are investor, interest-only and other LVR bands. From the provider's Consumer Data Right feed, refreshed nightly.