More than just great rates for homeowners.




variable rate


No monthly or
annual fees

Free redraw

repayment options

You get the following benefits:

TERMS & CONDITIONS: 1. This owner occupier variable home loan rate offer is for new borrowings and refinances from other financial institutions outside of BankVic. Minimum loan amount of $200,000 with an LVR up to 80%. Offset account not available. The offer is current as at 27 July 2020. BankVic may vary or end the offer at any time without notice. Cash back: Members who take out a new owner occupier loan or refinance their existing home loan to BankVic during the campaign period will receive $2000 cash back deposited into their BankVic loan account up to 20 days after the loan has funded. Cash back is limited to a maximum of two cash backs (each cash back applied per single property , irrespective of the number of loans involved in the transaction).

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in different comparison rates. Each home loan comparison rate has been calculated on a home loan of $150,000 over a term of 25 years, secured by freehold property, located within the metropolitan area, and associated costs.

Each loan application is subject to our standard credit assessment and approval criteria. Fees and charges may apply. Information on our terms and conditions, interest rates and fees and charges are available upon request.

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 services.

Police Financial Services Limited ABN 33 087 651 661 AFSL and Australian Credit Licence 240293 trading as BankVic. W 07.20  7206bv

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Calculate your repayments.

Calculate your loan repayment, or compare 
your current home loan with a BankVic home loan.




comparison rate


We’ll make the move easy for you.

(minimum $50)

Apply today.

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.

Leave your details and we’ll contact you.

Make an enquiry.

13 63 73Book a mobile lenderVisit a branchApply online

Our Melbourne based home loan team can help take the hard work out of buying a home or refinancing your loan. We can arrange a phone call or video conference with a mobile lender at a time that suits you.

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Need to protect your property?

We offer a wide choice of home insurance options through our longstanding insurance partner CGU Insurance, including no obligation quotes for pay by the month insurance as well as an option of 90 days free building insurance cover during settlement period.

(weekly, fortnightly or monthly)

Why join BankVic?

(establishment fees apply)

We’re more than just a bank with great home loan rates, 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. 

So, if you’re thinking of buying a home or wanting to refinance your existing home loan to BankVic, we’re here to help you save with a great ongoing variable rate, personalised service and much more.

Plus $2000 cash back


$2000 cash back1

Plus you’ll get $2000 cash back on external refinances and new borrowings. Minimum loan amount $200,000 with an LVR up to 80%. Cash back eligibility limitations apply.1