Goldrate Home Loan

Our low rate home loan comes with a great range of features to help you pay off your home sooner.
Category: Home Loans  Last Updated June 25, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupied P&I LVR<60% 3 Yr C13
Interest Rate
4.99% PA
Comparison Rate
5.64%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 5.93%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 5.93%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 5.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <80
  • Lending Rate Type: Variable
  • Interest Rate: 6.59%, Comparison Rate 6.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <90
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.84%, Comparison Rate 5.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.94%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 5.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 5.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80-95
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 5.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Variable
  • Interest Rate: 5.94%, Comparison Rate 5.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <60
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.94%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60-80
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.15%, Comparison Rate 5.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80-90
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: Fee Free redraw
  • Offset Additional Information: Not Available for Fixed Loans or Interest Only
  • Other Additional Information: No Monthly Account Keeping Fees
  • Other Additional Information: Up to $5,000 over a Fixed Term period
  • Other Additional Information: Available for the ACT Land Rent Scheme

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Australian Residents.
  • Residency Status - Australian Citizen.

 Bank Fees and Charges

  • Substituting Securities Fee (Event), Amount: 315.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.
  • Legal/securities Fees (Variable), Amount: Not Listed..
  • Dishonoured Member Cheque Fee (Event), Amount: 9.00. Additional Information: Per cheque dishonoured.
  • Stamp Duty Increase Fee (Variable), Amount: Not Listed..
  • Dishonoured Cheque Fee (Event), Amount: 9.00. Additional Information: Payable when a cheque or other payment to your account is dishonoured.
  • Fixed Rate Lock Fee (Event), Amount: 600.00.
  • Substituting Of Security Legal Fee (Event), Amount: 605.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.
  • Monthly Product Split Fee (Periodic), Amount: 7.00.
  • Consent To Subdivision Fee (Event), Amount: 162.00. Additional Information: Payable when you ask for our consent to register a subdivision or other plan or dealing.
  • Mortgage Discharge Fee (Exit), Amount: 294.00. Additional Information: Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office
  • Bridging Home Loan Establishment Fee (Event), Amount: 880.00. Additional Information: For Bridging Loans only
  • Late Payment Fee (Event), Amount: 10.00. Additional Information: Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts
  • Second Mortgage Consent Fee (Event), Amount: 75.00. Additional Information: Payable when you ask us to consent to a second mortgage
  • Future Legal Costs And Disbursements Relating To Any Variations, Dealings, Discharges (Variable), Amount: Not Listed..
  • Default Notice Fee (Event), Amount: 21.50. Additional Information: Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.
  • Ppsr Fees (personal Properties Security Register) (Variable), Amount: Not Listed..
  • Production Of Title Fee (Event), Amount: 110.00. Additional Information: Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property
  • Establishment Fee (Upfront), Amount: 600.00.
  • Additional Statement Fee (Event), Amount: 5.00. Additional Information: Payable when you request an additional statement
  • General Consent Fee (Event), Amount: 250.00. Additional Information: Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable).
  • Other Government Duties & Taxes (Variable), Amount: Not Listed..
  • Excess Valuation Fee (Variable), Amount: Not Listed..
  • Arrears Letter Fee (Event), Amount: 6.50. Additional Information: Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.
  • Other Legal/ Solicitors Fees (Variable), Amount: Not Listed..
  • Insurance (Variable), Amount: Not Listed..
  • Additional Valuation Fee (Variable), Amount: Not Listed..
  • Third Party Costs (Variable), Amount: Not Listed.. Additional Information: Any other costs charged to us by a third party will be passed on to you. Some examples are as follows: • Title Change Fee • Land and Property Information Search Fees • Land and Property Information Registration Fees
  • Stamp Duty (Variable), Amount: Not Listed..
  • Rtgs Transfer Fee (Event), Amount: 10.50. Additional Information: Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.
  • Issue Of Statutory Default Notice Legal Fees (Variable), Amount: Not Listed..
  • Pest & Building Inspections Fees (Variable), Amount: Not Listed..
  • Mortgage Loan Top Up/increase In Credit Limit Fee (Event), Amount: 315.00. Additional Information: Payable on application or funding. Applies to all Home Loan Applications
  • Independent Legal Advice/interpreter Service (Variable), Amount: Not Listed..
  • Early Repayment Fee (Variable), Amount: Not Listed.. Additional Information: Early Repayment Fee payable, if, during any fixed rate period, you: (a) repay the whole of your unpaid balance (full early repayment); (b) pay $5000 or more in repayments above the contractual repayments (partial early repayment); or (c) become obliged to repay the whole loan after you have defaulted (full early repayment) and the fixed rate that applied to the loan is more than the prevailing market interest rate at the time of the early repayment, as determined by us in our absolute discretion.

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00