Autumn 2021 campaign - Does your home loan still fit?
Refinance Offer: $1,500 cash back

Does your home loan still fit?

Refinance to our 2 year introductory rate home loan with $1500 cash back and start saving



Variable rate



Comparison rate

Terms and conditions apply - see here

Why BankVic?

Why choose us?

  • communities

    We go further for you

    We work with you to find what’s right for you, not everyone else

  • Recognised for value

    Our fixed rate home loans for first home buyers won the Mozo Experts Choice Award in March 2021

  • Awarded for competitive rates

    We were awarded Canstar’s Customer Owned Bank of the Year – Term Deposits Award in June 2021


Who can apply for our home loans?

Find out if you're eligible to apply for a BankVic home loan.
  1. Becoming a BankVic member

    Be eligible to be a BankVic member

    If you are a serving police, health or emergency service worker, work in the Victorian public service or related to or close friends with one of these workers you are eligible to be a BankVic member

  2. Be at least 18 years of age

    You must be 18 years or older and an Australian citizen

  3.  income

    Have a regular PAYG income

    You must have a regular PAYG income and be outside any probationary periods of employment

  4. email address

    Have an email address

    If you are making a joint application, both parties must have different email addresses

With you every step

Meet a
mobile lender

Our mobile lenders will work to find the best loan for your unique situation.

What to expect

Here with you at every step

We're here to make getting as home loan easy. Here's what you can expect
Here with you at every step
  1. Start your application

    1. Start your application

    Apply online, in branch, over the phone or with one of our mobile bankers to get your home loan journey underway.

  2. Review your application

    2. Review your application

    Once we have received your application, one of our lending consultants will be in contact to review your application with you and let you know if any additional information is required to help with our assessment.

  3. Conditional Assessment

    3. Conditional Assessment

    When we have received all the required information, we will assess your application and if all is in order, provide you with conditional approval.

  4. Unconditional Approval

    4. Unconditional Approval

    Together we’ll make sure everything is finalised and verified, you will then receive a loan offer and contract to sign.

  5. Settlement

    5. Settlement

    When we have received your signed loan documents, a settlement date will be confirmed and on the agreed date, we will draw down funds to pay for your property or pay out your old loan.


We're here to help
at every step

Terms and conditions

Important things you should know

Information on this page is general in nature and does not take into account your personal circumstances. You should consider whether it is appropriate for you before acquiring the product or service.

Fees and charges may apply. Interest rates are variable and subject to change. Information on our terms & conditions, interest rates and fees & charges are available on request.

We recommend that you read the following documents: