Building or buying, for yourself or to invest, we have the home loan for you. Compare and select from our range of low interest home loans. Call 13 63 73 to speak to our home lending experts today

Does your home loan still fit?

Take out a new home loan or refinance with BankVic on our low variable rate.



Variable rate



Comparison rate

Terms and conditions apply - see here

Why BankVic


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

    Become a BankVic member

    Serving police, health, emergency service and Government department workers and their families can join BankVic as a member.

  2. Eighteen plus icon

    Be at least 18 years of age

    You must be 18 years or older and an Australian citizen or permanent resident of Australia

  3. Banking app

    You must have access to an email account and mobile phone

    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


Membership Eligibility

  • To be eligible for a BankVic home loan you need to be a member of BankVic.   You can apply to become a member of BankVic as part of your home loan application.

    You can become a member if you are an Australian citizen or resident and either:

    • you are a member of a police force
    • you are a person involved in emergency services, health work, or the government departments
    • immediate family of one of the above BankVic members

    When you join BankVic you become a member and equal shareholder in a 100% member-owned bank.  Your membership shares cost $10 upon joining.

    As the bank for the police, emergency services, and health workers, our profits are reinvested to provide better value banking and to support our community.

  • Core members are members whose primary income is derived from any of the professions as outlined below:

    • Police - any police or protective service officer employee. All other law enforcement agencies are covered as employees of Government Departments
    • Health - any health professional who holds registration with one of the 15 National Boards governed by the Australian Health Practitioner Regulation Agency (AHPRA), as well as any employee of any private or public hospital, health centre, or ancillary service within the health sector
    • Emergency Service Workers – any Ambulance employee, or employee of State Emergency Services (SES), Country Fire Authority (CFA), Fire Rescue, and Australian Volunteer Coast Guard (AVCG)
    • Government Departments - an employee of any state or federal government department
    • BankVic Employee - an employee of BankVic

    All members not covered by any of the definitions above will be considered Non-Core.

With you every step

Book a
home loan appointment

Our home loan specialists 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 a home loan easy. Here's what you can expect
  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: