Police Credit Union Fixed Investment Loan (Interest Only) (LVR < 90%) 4 Years | Review & Compare Home Loans

Fixed Investment Loan

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Interest Rate

5.39

% p.a

Fixed - 4 years

Comparison Rate*

4.19

% p.a

Maximum LVR

90%

Real Time Rating™

Monthly Repayment

$1,348

based on $300,000 loan amount for 25 years at 5.39%

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Summary
Features & fees
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Interest Rate

5.39

% p.a

Fixed - 4 years

Comparison Rate*

4.19

% p.a

Maximum LVR

90%

Real Time Rating™

Monthly Repayment

$1,348

based on $300,000 loan amount for 25 years at 5.39%

Calculate your repayments for this loan

Your estimated repayment

$1,348

based on $300,000 loan amount for 25 years at 5.39%

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TMD

Monthly Repayment

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based on $300,000 loan amount for 25 years at 2.64%

Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.56

% p.a

special

Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.

Real Time Rating™

More Features

Monthly Repayment

$1,423

based on $300,000 loan amount for 25 years at 3%

Interest Rate

2.60

% p.a

Intro 24 months

Comparison Rate*

2.96

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

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Monthly Repayment

$1,398

based on $300,000 loan amount for 25 years at 2.84%

Interest Rate

2.84

% p.a

Variable

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2.85

% p.a

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Quick home loan review

For Fixed Investment Loan (Interest Only) (LVR < 90%) 4 Years

These are the benefits of this home loan.

No ongoing fees

These are the drawbacks of this home loan.

Limited extra repayments
No redraw and no offset
Higher than average interest rate
Loan reverts to higher rate after fixed period
Not available for first home buyers
Higher than average upfront fee
Discharge fee at end of loan
No repayment holidays

Home loan overview

For Fixed Investment Loan (Interest Only) (LVR < 90%) 4 Years

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 90%	Total Repayments $404,400 View repayment schedule »
Next LVR	Interest rate type Fixed - 4 years
Borrowing range $150k - $100m Calculate how much you can borrow	Suitable for Investors
Loan term range 0 - 30 years	Principal & interest
Interest only	Applicable states SA
Make repayments Fortnightly, Monthly, Weekly

Features

Extra repayments Yes - limited to $20000	Offset account No
Redraw facility	Split interest facility
Loan portable	Repayment holiday available
Allow guarantors	Available for first home buyers

Fees

Total estimated upfront fees 625	Application fee 420
Legal fee $0	Valuation fee $205
Settlement fee 0	Other upfront fee 0
Ongoing fee $0	Discharge fee 163

Application method

Online Compare	Phone
Broker	In branch

Available

Not available

Data not captured

Target Market Determination

Visit Police Credit Union to view Target Market Determination.

Checkout more home loans

Interest Rate

5.35

% p.a

Fixed - 4 years

Comparison Rate*

4.19

% p.a

No upfront or ongoing fees
100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Interest Rate

5.59

% p.a

Fixed - 4 years

Comparison Rate*

5.54

% p.a

Cashback

Refinance Cashback of $3000 for externally refinanced and $888 for new purchases. Annual fee of $395 waived for new customers who setup direct debit of loan repayments. ~ Ends in 2 days

Real Time Rating™

Interest Rate

6.44

% p.a

Fixed - 4 years

Comparison Rate*

5.19

% p.a

Rewards

Earn 300,000 Qantas Points for eligible home loans over $300k ~ Ends in about 2 months

Real Time Rating™

Interest Rate

5.54

% p.a

Fixed - 4 years

Comparison Rate*

4.32

% p.a

No ongoing fees
Split account option

Real Time Rating™

Product data updated on 28 Jun 2022

FAQs

The range you can borrow from this loan is $150k to $99,999,999.

This loan option comes with a maximum loan-to-value ratio of 90 percent, which means it requires a minimum deposit of 10 percent

Police Credit Union allows you to have this loan for a range of 0 to 30 years.

Police Credit Union allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $625 worth of upfront fees.

No, this loan doesn't come with a redraw facility.

Police Credit Union makes it possible to apply for this product online. Apply here.

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