First home,

less loan.

3

.32

%pa

variable rate

1

Up to 85% LVR
So you only need a 15% deposit to avoid Lenders Mortgage Insurance.

TERMS & CONDITIONS: 1. The First Home Buyer Package (FHBP) Loan available on new owner-occupied loans, with principal and interest repayments to purchase a new (fully constructed) or established home. Maximum Loan to Valuation Ratios apply. Lenders Mortgage Insurance may be required. Not available for construction loans. . Fees, charges, terms, conditions and lending criteria apply. The 2-year fixed rate expires 2 years from settlement date and will then revert to the FHB variable rate.  Rates are current as at 20 January 2020 and subject to change. This comparison rate is calculated on a $150,000 loan over 25 years based on monthly repayments. WARNING: Comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. 2. Visa Silver credit card: Must obtain a FHBP loan to be eligible for the Visa Silver credit card. Interest rate is the same as the FHBP Home Loan variable interest rate and subject to change. Once your FHBP Home Loan is paid out, the Visa Silver credit card interest rate will revert to the standard interest rate for the Visa Silver credit card. 3. FHBP Insurance Offer: $100 cash back offer is available when you take out two general insurance policies through BankVic at the same time and obtain an FHBP Home Loan (E.g. Building & Contents Insurance). Cash back will be deposited into your BankVic transaction account on the date your FHBP loan commences. Terms, conditions, limits and exclusions apply. As an AFSL holder, we sell general insurance products under an agreement with Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. If you purchase insurance we will receive a commission that is a percentage of the premium. Any advice is general advice only and has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice you should consider whether the advice is appropriate for you. Before you make any decision to acquire any product or service you should obtain and consider the relevant Terms and Conditions available at a branch, by calling 13 63 73 or online at bankvic.com.au/disclosures.  Ask us for more details before we provide you with any of these services. Police Financial Services Limited ABN 33 087 651 661 - trading as BankVic | AFSL and Australian Credit Licence 240293. bankvic.com.au

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.32

%pa

1

comparison rate

3

comparison rate

3

1

%pa

.75

2

2-year fixed rate

.26

%pa

1

Or fix your rate.

Buying a house and getting a home loan is not something you do everyday but our home loan consultants do and they can help you throughout the whole process, from saving for a deposit right through until you are holding the keys in your hands. 

Get into your first home sooner. Apply today.

As the bank for police, health, emergency and public services, all our profits are reinvested to provide members with better value banking and to support our community.

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13 63 73Book a mobile lenderVisit a branchApply online

Up to 85% LVR

No establishment, monthly or annual fees

Silver Credit Card

Insurance

Our First Home Buyer Package features.

Enjoy an interest rate that matches your home loan

Receive $100 cash back when you take out two insurance policies

Without Lenders Mortgage Insurance (LMI)

Family Guarantee is available, eliminating the need to pay LMI.

2

3

Get into your first home sooner.

Buying your first home can be a daunting experience, but at BankVic we’ve got you covered with our First Home Buyer Package. It’s packed full of benefits, without the fees, helping you get into your first home sooner.

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