{"id":14584,"date":"2025-05-05T01:54:17","date_gmt":"2025-05-05T01:54:17","guid":{"rendered":"https:\/\/finderica.com\/?p=14584"},"modified":"2025-05-05T01:54:17","modified_gmt":"2025-05-05T01:54:17","slug":"4-99-home-loan-rate-heres-whos-offering-it-now","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=14584","title":{"rendered":"4.99% home loan rate? Here\u2019s who\u2019s offering it now"},"content":{"rendered":"<div>\n<p>The 60-year-old mutual lender has unveiled a suite of market-leading fixed rates for first home buyers, refinancers, and investors.<\/p>\n<\/div>\n<div>\n<p>If you&#8217;re in the market for a competitive fixed-rate mortgage, take note: <strong>Police Bank<\/strong> is now offering fixed rates as low as 4.99% p.a. \u2013 with some slashed by more than a full percentage point on Friday.\u00a0<\/p>\n<p>That&#8217;s well below <strong>Macquarie Bank<\/strong>&#8216;s 5.19% p.a. two- and three-year fixed rate, which was the lowest in our database just last week.<\/p>\n<p>The mutual bank, which aims to support Australian police officers, is open to everyone, not just current or former police members.<\/p>\n<p>The new rate is particularly attractive when compared with the average one-three year fixed rate of 5.80% p.a. on new owner-occupier mortgages, according to RBA data for February.<\/p>\n<p>An owner-occupier with a typical mortgage of $666,000 (as of December) could save nearly $340 a month by locking in a 4.99% p.a. fixed rate rather than the 5.80% p.a. average.<\/p>\n<p>That adds up to more than $12,000 in savings over a three-year term.<\/p>\n<p>The 4.99% p.a. fixed rate is available across several loan types for fixed terms of three years, including:<\/p>\n<ul>\n<li><strong>First Home Loan<\/strong> (for Home Guarantee Scheme participants)<\/li>\n<li><strong>Goldrate Home Loan<\/strong><\/li>\n<li><strong>Police Value Home Loan<\/strong><\/li>\n<li><strong>Investment Goldrate Home Loan<\/strong><\/li>\n<\/ul>\n<p>Even more appealing, these rates are accessible to eligible borrowers with deposits as low as 5%, or even 2% under the Family Home Guarantee.<\/p>\n<h2>First home buyers: 4.99% fixed rate details<\/h2>\n<p>Entering the market using the Home Guarantee Scheme? You might be eligible for Police Bank&#8217;s First Home Loan.<\/p>\n<p>The product is among those to receive fixed rate cuts on Friday, with new rates now starting from 4.99% p.a. (comparison rates* from 5.50% p.a.).<\/p>\n<p>The loan also allows borrowers to split their rate and access an offset account on the variable portion \u2013 potentially offering flexibility and interest savings.<\/p>\n<p>It&#8217;s also available as a construction loan, with interest-only repayments available during the build phase.<\/p>\n<p>Rates on the product are as follows, with those announced on Friday shown in bold:<\/p>\n<table class=\"table\">\n<thead>\n<tr>\n<th>Term<\/th>\n<th>LVR<\/th>\n<th>Change<\/th>\n<th>New rate<\/th>\n<th>Comp rate*<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>One year fixed<\/td>\n<td>\u2013<\/td>\n<td>\u2013<\/td>\n<td>5.89%<\/td>\n<td>5.69%<\/td>\n<\/tr>\n<tr>\n<td><strong>Two year fixed<\/strong><\/td>\n<td><strong>80\u201398%<\/strong><\/td>\n<td><strong>\u201364bp<\/strong><\/td>\n<td><strong>5.15%<\/strong><\/td>\n<td><strong>5.58%<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Three year fixed<\/strong><\/td>\n<td><strong>80\u201398%<\/strong><\/td>\n<td><strong>\u201360bp<\/strong><\/td>\n<td><strong>4.99%<\/strong><\/td>\n<td><strong>5.50%<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Five year fixed<\/td>\n<td>80\u201398%<\/td>\n<td>\u2013<\/td>\n<td>6.69%<\/td>\n<td>6.14%<\/td>\n<\/tr>\n<tr>\n<td>Variable<\/td>\n<td>80\u201398%<\/td>\n<td>\u2013<\/td>\n<td>5.59%<\/td>\n<td>5.66%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i>Note: This product is exclusive to borrowers using the Home Guarantee Scheme. Those with deposits of 20% or more (LVR &lt;80%) are not eligible for the scheme.<\/i><\/p>\n<h2>Homeowners and refinancers: 4.99% fixed rate details<\/h2>\n<p>Owner-occupiers, first home buyers not using the scheme, and refinancers can access the new rates through Police Bank&#8217;s Goldrate Home Loan.<\/p>\n<p>This loan allows up to $9,999 in extra repayments per year on fixed terms and offers an interest-only option (note: IO rates may differ).<\/p>\n<p>Updated fixed rates:<\/p>\n<table class=\"table\">\n<thead>\n<tr>\n<th>Term<\/th>\n<th>LVR<\/th>\n<th>Change<\/th>\n<th>New rate<\/th>\n<th>Comp rate*<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"3\">Two years fixed<\/td>\n<td>&lt;60%<\/td>\n<td>-34bp<\/td>\n<td>5.15%<\/td>\n<td>5.94%<\/td>\n<\/tr>\n<tr>\n<td>60\u201380%<\/td>\n<td>-34bp<\/td>\n<td>5.15%<\/td>\n<td>5.98%<\/td>\n<\/tr>\n<tr>\n<td>80\u201395%<\/td>\n<td>-34bp<\/td>\n<td>5.15%<\/td>\n<td>6.02%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\">Three years fixed<\/td>\n<td>&lt;60%<\/td>\n<td>-60bp<\/td>\n<td>4.99%<\/td>\n<td>5.82%<\/td>\n<\/tr>\n<tr>\n<td>60\u201380%<\/td>\n<td>-60bp<\/td>\n<td>4.99%<\/td>\n<td>5.86%<\/td>\n<\/tr>\n<tr>\n<td>80\u201395%<\/td>\n<td>-80bp<\/td>\n<td>4.99%<\/td>\n<td>5.89%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Current or retired police officers may also qualify for the Police Value Home Loan, which offers lower variable and fixed rates on select terms than Goldrate \u2013 along with more competitive revert and comparison rates.<\/p>\n<h2>Property investors: 4.99% fixed rate details<\/h2>\n<p>Finally, property investors can also realise fixed rates as low as 4.99% p.a. from Police Bank.<\/p>\n<p>Both its Goldrate and Police Value products offer investment options, with rates cut for those making principal and interest repayments on Friday.<\/p>\n<p>The latest changes are as follows:<\/p>\n<table class=\"table\">\n<thead>\n<tr>\n<th>Product<\/th>\n<th>Fixed period<\/th>\n<th>LVR<\/th>\n<th>Change<\/th>\n<th>New rate<\/th>\n<th>Comp rate*<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"6\">Goldrate Investment<\/td>\n<td rowspan=\"3\">Two years<\/td>\n<td>&lt;60%<\/td>\n<td>-49bp<\/td>\n<td>5.15%<\/td>\n<td>6.02%<\/td>\n<\/tr>\n<tr>\n<td>60\u201380%<\/td>\n<td>-54bp<\/td>\n<td>5.15%<\/td>\n<td>6.06%<\/td>\n<\/tr>\n<tr>\n<td>80\u201390%<\/td>\n<td>-59bp<\/td>\n<td>5.15%<\/td>\n<td>6.10%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\">Three years<\/td>\n<td>&lt;60%<\/td>\n<td>-105bp<\/td>\n<td>4.99%<\/td>\n<td>5.89%<\/td>\n<\/tr>\n<tr>\n<td>60\u201380%<\/td>\n<td>-110bp<\/td>\n<td>4.99%<\/td>\n<td>5.93%<\/td>\n<\/tr>\n<tr>\n<td>80\u201390%<\/td>\n<td>-115bp<\/td>\n<td>4.99%<\/td>\n<td>5.96%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"6\">Police Value Investment<\/td>\n<td rowspan=\"3\">Two years<\/td>\n<td>&lt;60%<\/td>\n<td>-44bp<\/td>\n<td>5.15%<\/td>\n<td>5.98%<\/td>\n<\/tr>\n<tr>\n<td>60\u201380%<\/td>\n<td>-49bp<\/td>\n<td>5.15%<\/td>\n<td>6.02%<\/td>\n<\/tr>\n<tr>\n<td>80\u201390%<\/td>\n<td>-54bp<\/td>\n<td>5.15%<\/td>\n<td>6.06%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\">Three years<\/td>\n<td>&lt;60%<\/td>\n<td>-10bp<\/td>\n<td>4.99%<\/td>\n<td>5.86%<\/td>\n<\/tr>\n<tr>\n<td>60\u201380%<\/td>\n<td>-150bp<\/td>\n<td>4.99%<\/td>\n<td>5.89%<\/td>\n<\/tr>\n<tr>\n<td>80\u201390%<\/td>\n<td>-110bp<\/td>\n<td>4.99%<\/td>\n<td>5.93%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p><em style=\"vertical-align: sub;\">Advertisement<\/em><\/p>\n<p><em style=\"vertical-align: sub;\">In the market for a competitive variable rate home loan instead? Check out these hot deals:\u00a0<\/em><\/p>\n<p><em style=\"vertical-align: sub;\"><span data-sheets-root=\"1\"><\/p>\n<div class=\"hl-table table-wrapper selector-hidden\" id=\"vtl-comparison-63d8b1e9b9184f749b0b8efb\">\n<table class=\"full-table tab-rates comparison-table \">\n<thead>\n<tr>\n<th class=\"th-brand\">Lender<\/th>\n<th class=\"th-product\">Home Loan<\/th>\n<th class=\"data-col th-interest-rate sortable\">Interest Rate <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-comparison-rate sortable\">Comparison Rate* <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-monthly-repayment sortable\">Monthly Repayment <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-repayment-type sortable\">Repayment type <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-rate-type sortable\">Rate Type <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-offset sortable\">Offset <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-redraw sortable\">Redraw <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-ongoing-fees sortable\">Ongoing Fees <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-upfront-fees sortable\">Upfront Fees <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-lvr sortable\">Max LVR <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-lump-sum-repayment sortable\">Lump Sum Repayment <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-additional-repayments sortable\">Additional Repayments <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"data-col th-split-loan sortable\">Split Loan Option <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M7.5 9L12 6L16.5 9\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-up\"><\/path><path d=\"M7.5 14L12 17L16.5 14\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"sort-down\"><\/path><\/svg><\/th>\n<th class=\"th-tags\">Tags<\/th>\n<th class=\"th-row-tags\">Row Tags<\/th>\n<th class=\"th-features\">Features<\/th>\n<th class=\"th-cta\">Link<\/th>\n<th class=\"th-compare\">Compare<\/th>\n<th class=\"th-promoted\">Promoted Product<\/th>\n<th class=\"th-disclosure\">Disclosure<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"product-row highlighted cpc\" brand=\"loans.com.au\">\n<td class=\"td-brand\">\n<\/td>\n<td class=\"td-product\">\n<\/td>\n<td class=\"data-col td-interest-rate\">\n<p>5.79<span class=\"notation\"><span class=\"percent\">%<\/span><span class=\"pa\">\u00a0p.a.<\/span><\/span><\/p>\n<\/td>\n<td class=\"data-col td-comparison-rate\">\n<p>5.83<span class=\"notation\"><span class=\"percent\">%<\/span><span class=\"pa\">\u00a0p.a.<\/span><\/span><\/p>\n<\/td>\n<td class=\"data-col td-monthly-repayment\">\n<p><span>$<\/span>2,931<\/p>\n<\/td>\n<td class=\"data-col td-repayment-type\">\n<p>Principal &amp; Interest<\/p>\n<\/td>\n<td class=\"data-col td-rate-type\">\n<p>Variable<\/p>\n<\/td>\n<td class=\"data-col td-offset\"><\/td>\n<td class=\"data-col td-redraw\"><\/td>\n<td class=\"data-col td-ongoing-fees\">\n<p>$0<\/p>\n<\/td>\n<td class=\"data-col td-upfront-fees\">\n<p>$530<\/p>\n<\/td>\n<td class=\"data-col td-lvr\">\n<p>90%<\/p>\n<\/td>\n<td class=\"data-col td-lump-sum-repayment\"><\/td>\n<td class=\"data-col td-additional-repayments\"><\/td>\n<td class=\"data-col td-split-loan\"><\/td>\n<td class=\"td-tags\"><\/td>\n<td class=\"td-row-tags\">\n<\/td>\n<td data-label=\"Highlights\" class=\"td-features\">\n<ul>\n<li>Available for purchase or refinance, min10% deposit needed to qualify.<\/li>\n<li>No application, ongoing monthly or annual fees.<\/li>\n<li>Dedicated loan specialist throughout the loan application.<\/li>\n<\/ul>\n<\/td>\n<td class=\"td-cta\">\n<\/td>\n<td class=\"td-compare\"><label for=\"compare-checkbox-1\">Compare<\/label><input type=\"checkbox\" id=\"compare-checkbox-1\"><\/td>\n<td class=\"td-promoted-tag\">\n<span class=\"promoted-tag\"><br \/>\nPromoted<br \/>\n<\/span>\n<\/td>\n<td class=\"td-disclosure\">\n<span id=\"disclosureTooltip\" class=\"td-disclosure-tooltip\">Disclosure<\/span>\n<\/td>\n<\/tr>\n<tr class=\"product-row highlighted cpc\" brand=\"Ubank (part of NAB)\">\n<td class=\"td-brand\">\n<\/td>\n<td class=\"td-product\">\n<\/td>\n<td class=\"data-col td-interest-rate\">\n<p>5.84<span class=\"notation\"><span class=\"percent\">%<\/span><span class=\"pa\">\u00a0p.a.<\/span><\/span><\/p>\n<\/td>\n<td class=\"data-col td-comparison-rate\">\n<p>5.86<span class=\"notation\"><span class=\"percent\">%<\/span><span class=\"pa\">\u00a0p.a.<\/span><\/span><\/p>\n<\/td>\n<td class=\"data-col td-monthly-repayment\">\n<p><span>$<\/span>2,947<\/p>\n<\/td>\n<td class=\"data-col td-repayment-type\">\n<p>Principal &amp; Interest<\/p>\n<\/td>\n<td class=\"data-col td-rate-type\">\n<p>Variable<\/p>\n<\/td>\n<td class=\"data-col td-offset\"><\/td>\n<td class=\"data-col td-redraw\"><\/td>\n<td class=\"data-col td-ongoing-fees\">\n<p>$0<\/p>\n<\/td>\n<td class=\"data-col td-upfront-fees\">\n<p>$250<\/p>\n<\/td>\n<td class=\"data-col td-lvr\">\n<p>60%<\/p>\n<\/td>\n<td class=\"data-col td-lump-sum-repayment\"><\/td>\n<td class=\"data-col td-additional-repayments\"><\/td>\n<td class=\"data-col td-split-loan\"><\/td>\n<td class=\"td-tags\"><\/td>\n<td class=\"td-row-tags\">\n<\/td>\n<td data-label=\"Highlights\" class=\"td-features\">\n<ul>\n<li>Easy application. Fast approval. No annual fee.<\/li>\n<li>Unlimited additional repayments free of charge.<\/li>\n<li>Redraw freely &#8211; Access your additional payments.<\/li>\n<\/ul>\n<\/td>\n<td class=\"td-cta\">\n<\/td>\n<td class=\"td-compare\"><label for=\"compare-checkbox-2\">Compare<\/label><input type=\"checkbox\" id=\"compare-checkbox-2\"><\/td>\n<td class=\"td-promoted-tag\">\n<span class=\"promoted-tag\"><br \/>\nPromoted<br \/>\n<\/span>\n<\/td>\n<td class=\"td-disclosure\">\n<span id=\"disclosureTooltip\" class=\"td-disclosure-tooltip\">Disclosure<\/span>\n<\/td>\n<\/tr>\n<tr class=\"product-row cpc\" brand=\"Unloan\">\n<td class=\"td-brand\">\n<\/td>\n<td class=\"td-product\">\n<\/td>\n<td class=\"data-col td-interest-rate\">\n<p>5.74<span class=\"notation\"><span class=\"percent\">%<\/span><span class=\"pa\">\u00a0p.a.<\/span><\/span><\/p>\n<\/td>\n<td class=\"data-col td-comparison-rate\">\n<p>5.65<span class=\"notation\"><span class=\"percent\">%<\/span><span class=\"pa\">\u00a0p.a.<\/span><\/span><\/p>\n<\/td>\n<td class=\"data-col td-monthly-repayment\">\n<p><span>$<\/span>2,915<\/p>\n<\/td>\n<td class=\"data-col td-repayment-type\">\n<p>Principal &amp; Interest<\/p>\n<\/td>\n<td class=\"data-col td-rate-type\">\n<p>Variable<\/p>\n<\/td>\n<td class=\"data-col td-offset\"><\/td>\n<td class=\"data-col td-redraw\"><\/td>\n<td class=\"data-col td-ongoing-fees\">\n<p>$0<\/p>\n<\/td>\n<td class=\"data-col td-upfront-fees\">\n<p>$0<\/p>\n<\/td>\n<td class=\"data-col td-lvr\">\n<p>80%<\/p>\n<\/td>\n<td class=\"data-col td-lump-sum-repayment\"><\/td>\n<td class=\"data-col td-additional-repayments\"><\/td>\n<td class=\"data-col td-split-loan\"><\/td>\n<td class=\"td-tags\"><\/td>\n<td class=\"td-row-tags\">\n<\/td>\n<td data-label=\"Highlights\" class=\"td-features\">\n<ul>\n<li>A low-rate variable home loan from a 100% online lender. <\/li>\n<li>Backed by the Commonwealth Bank.<\/li>\n<\/ul>\n<\/td>\n<td class=\"td-cta\">\n<\/td>\n<td class=\"td-compare\"><label for=\"compare-checkbox-3\">Compare<\/label><input type=\"checkbox\" id=\"compare-checkbox-3\"><\/td>\n<td class=\"td-promoted-tag\">\n<span class=\"promoted-tag\"><br \/>\n<\/span>\n<\/td>\n<td class=\"td-disclosure\">\n<span id=\"disclosureTooltip\" class=\"td-disclosure-tooltip\">Disclosure<\/span>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><smg-comparison-table profile=\"63d8b1e9b9184f749b0b8efb\" vertical=\"home-loans\" theme=\"ym\" disclosure=\"YourMortgage.com.au\" typeform=\"enabled\" recalc=\"enabled\" amount=\"500000\"><br \/>\n<\/smg-comparison-table><\/p>\n<div class=\"smg-disclaimer\" id=\"vtl-disclaimer-63d8b1e9b9184f749b0b8efb\">\n<div class=\"smg-disclaimer-accordion\">\n<div class=\"smg-disclaimer-accordion-clickable\">\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewbox=\"0 0 12 12\" fill=\"none\"><path d=\"M1 11L5 6L1 1\" stroke=\"#0e90aa\"><\/path><\/svg><\/p>\n<p>Important Information and Comparison Rate Warning<\/p>\n<\/div>\n<div style=\"content-visibility:hidden\">\n<p>Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&amp;I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the \u2018Compare Home Loans\u2019 table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider\u2019s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products\u2019 advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user\/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.  Rates correct as of . <\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><a class=\"comparison-disclosure-cta open-disclosure\"><\/p>\n<div><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"14\" viewbox=\"0 0 14 14\" fill=\"none\"><path d=\"M7 6.69995L7 9.69995\" stroke=\"#0e90aa\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M7 4.30605L7.006 4.29938\" stroke=\"#0e90aa\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M7 13C10.3137 13 13 10.3137 13 7C13 3.68629 10.3137 1 7 1C3.68629 1 1 3.68629 1 7C1 10.3137 3.68629 13 7 13Z\" stroke=\"#0e90aa\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><span>Important Information and Comparison Rate Warning<\/span><\/div>\n<p><\/a><\/p>\n<p><\/span><\/em><\/p>\n<p><sub><em>Image by Kiros Amin on Unsplash<\/em><\/sub><\/p>\n<p><!-- Article Key Points -->\n<\/div>\n<p><a href=\"http:\/\/www.yourmortgage.com.au\/mortgage-news\/police-bank-slashes-home-loan-rates-to-under-5-p-a\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The 60-year-old mutual lender has unveiled a suite of market-leading fixed rates for first home buyers, refinancers, and investors. If you&#8217;re in the market for a competitive fixed-rate mortgage, take note: Police Bank is now offering fixed rates as low as 4.99% p.a. \u2013 with some slashed by more than a full percentage point on<\/p>\n","protected":false},"author":1,"featured_media":14585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[216],"tags":[255,26,240,1536,138,847],"class_list":{"0":"post-14584","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage","8":"tag-heres","9":"tag-home","10":"tag-loan","11":"tag-offering","12":"tag-rate","13":"tag-whos"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/14584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14584"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/14584\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/14585"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}