Helping you make your home ownership dreams a reality.

TERMS & CONDITIONS:

1. This owner occupier variable home loan rate is for new borrowings and refinances from other financial institutions outside of BankVic. Offset account not available. The rate is current as at 1 July 2020 and subject to change. BankVic may vary or end the offer at any time without notice. Visit bankvic.com.au/homeowners for full terms and conditions.

2. 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. Not available for construction loans. Visit bankvic.com.au/firsthomebuyers for full terms and conditions.

WARNING: Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rates. Rates are current as at 1 July 2020 and subject to change. Each loan application is subject to our standard credit assessment and approval criteria. Fees and charges may apply. 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/formsanddocuments.

As an AFSL holder, we sell general insurance products under an agreement with the issuer 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. Ask us for more details before we provide you with any of these products.

Police Financial Services Limited ABN 33 087 651 661 - trading as BankVic | AFSL and Australian Credit Licence 240293. bankvic.com.au  07.20 7206bv

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

With the right information at hand, your journey towards home ownership could be faster than you’d imagined.

People before profits

 HOME BUYERS RESOURCE CENTRE

Find out more

Member stories:
Leah

Learn how Leah kept her first home costs to a minimum.

Home buyer tips and insights.

Member stories:
Dylan

Find out how Dylan bought his first home while he was asleep!

Find out more

Helpful first home loan calculators.

Calculate your loan repayment, or work out your stamp duty.

Stamp duty
CalculatorFAQs and more

The benefits of BankVic.

Building communities

Improving financial wellbeing

Competitive products

Deposit

Choosing BankVic for your first home loan.

The process

Save your deposit. With BankVic you typically only need a 15% deposit (without the need for Lenders Mortgage Insurance) for your first home, or even less with our family guarantee option.

Our lending team can answer all your first home loan queries. Get in touch by calling us on 13 63 73. We can arrange a phone or video conference with a mobile banker. We’re here to help!

We’ll work with you to pre-approve your first home buyer loan, so you can bid or make an offer on a property with confidence.

You’re ready to purchase! Explore the market, locate a property that meets your first home buyer criteria and start negotiating.

Expert advice

Pre-approval

Purchase

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More than just great rates for homeowners.

Find out more

Home buyer tips and insights.

Find out more

Could HomeBuilder help you?

Insights into the Government’s new HomeBuilder Grant.

How to speed up your first home loan application.

Top tips from a lending expert.

Find out more

How to avoid paying lenders mortgage insurance.

How to avoid this common expense.

Find out more

What does COVID-19 mean for first home buyers?

Find out more

How the pandemic is affecting the real estate landscape.

Are you ready to buy your first home?

Find out more

How to speed up your first home loan application.

Top tips from a lending expert.

Find out more

6 steps to help you prepare.

Find out more

How the pandemic is affecting the real estate landscape.

What does COVID-19 mean for first home buyers?

Find out more

How to avoid this common expense.

How to avoid paying lenders mortgage insurance.

Find out more

Member stories:
Leah

Learn how Leah kept her first home costs to a minimum.

Member stories:
Dylan

Find out how Dylan bought his first home while he was asleep!

Find out more

 HOME BUYERS RESOURCE CENTRE

13 63 73Book an appointmentApply onlineVisit a branch

While you’re busy supporting Victorians, we’re supporting you.

For essential workers on the coronavirus frontline, and all Victorians doing their best to stop the spread, we’re here to help. Call us to talk about your property goals.

13 63 73Book a phone or video appointmentBook a phone or video appointment

Member stories.

Member stories.

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variable rate

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

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2

comparison rate

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Get into your first home sooner with our First Home Buyer Package.

More than just great rates for first home buyers.

Find out more

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.07

%pa

variable rate

2

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

.07

%pa

2

comparison rate

3

Get into your first home sooner with our First Home Buyer Package.

More than just great rates for first home buyers.

Find out more

2

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%pa

variable rate home

1

.78

%pa

1

comparison rate

2

More than just great rates for homeowners.

Find out more

Thinking about refinancing?

Find out more

Thinking of refinancing your home loan?

Five questions to consider.

How much could you save by refinancing your home loan?

Making refinancing work for you.

Find out more

Should I refinance my home loan during COVID-19?

Find out more

It could be time to make serious savings.

Thinking of refinancing your home loan?

Thinking of refinancing your home loan?

Find out more

How much could you save by refinancing your home loan?

Making refinancing work for you.

Find out more

Five questions to consider.

Find out more

It could be time to make serious savings.

Should I refinance my home loan during COVID-19?

Could HomeBuilder help you?

Find out more

Could HomeBuilder help you?

Insights into the Government’s new HomeBuilder Grant.

Could HomeBuilder
help you?

Could HomeBuilder help you?

Find out more

Insights into the Government’s new HomeBuilder Grant.

Could HomeBuilder help you?

Insights into the Government’s new HomeBuilder Grant.

Find out more
Find out more

Are you ready to buy your first home?

6 steps to help you prepare.

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.74

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variable rate

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.78

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1

comparison rate

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Your next move is here.

Find out more

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Plus

$2000 cash back


On external refinances and new borrowings with an LVR up to 80%. Minimum amount $200,000. Cash back eligibility limitations apply.2 

For applications received by 30 June 2020 and settled by 31 August 2020.

2

If you’re thinking of buying or refinancing your existing loan to BankVic, we can help you save with a great ongoing variable rate, personalised service and more. Minimum loan amount $200,000 with an LVR up to 80%.

3

.07

%pa

variable rate

3

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

.07

%pa

3

comparison rate

3

Get into your first home sooner with our First Home Buyer Package.

First home, less loan.

Find out more

2

.74

%pa

variable rate home loan

1

.78

%pa

1

comparison rate

2

Your next move is here.

Find out more

Plus

$2000 cash back

On external refinances and new borrowings with an LVR up to 80%. Minimum amount $200,000. Cash back eligibility limitations apply.2 

For applications received by 30 June 2020 and settled by 31 August 2020.

2

As the bank for Police, Health and Emergency Services, we offer a different way of banking where 100% of our profits are reinvested to provide members with better value banking and to support our community.

If you’re thinking of buying or refinancing your existing loan to BankVic, we can help you save with a great ongoing variable rate, personalised service and more. Minimum loan amount $200,000 with an LVR up to 80%.