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BankVic Home Loan Rates

Active products
44
Lowest variable
6.04%
Lowest fixed
6.39%
Lowest comparison
6.04%
Last updated
16 June 2026

BankVic is one of the Australian home-loan lenders we track daily. We currently surface 44 active products from BankVic, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest BankVic home loan rate?

The lowest BankVic variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 44 BankVic products on this page, ranked by comparison rate, last verified 16 June 2026.

How many home loan products does BankVic offer?

Ratesniffers currently tracks 44 BankVic home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

BankVic home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.04% p.a.6.04% p.a.100%
Variable Owner-occupier P&I6.08% p.a.6.08% p.a.100%
Variable Owner-occupier P&I6.10% p.a.6.10% p.a.100%
Variable Owner-occupier P&I6.10% p.a.—100%
Variable Owner-occupier P&I6.10% p.a.—100%
Variable Owner-occupier P&I6.10% p.a.—100%
Variable Owner-occupier P&I6.10% p.a.—100%
Variable Owner-occupier P&I6.10% p.a.—100%
Variable Investor P&I6.13% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.14% p.a.6.14% p.a.100%
Variable Investor P&I6.19% p.a.6.19% p.a.100%
Variable Investor P&I6.24% p.a.—100%

44 BankVic home loan products

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Who is BankVic?

BankVic is the customer-owned bank for police and emergency services, founded in 1974 as the Police Credit Co-operative by a group of Victoria Police officers. Today it serves around 120,000 members across police forces nationally, emergency services, AHPRA-registered health practitioners and hospital staff, plus their families.

It is Melbourne-based with its policing heritage still central, and as a mutual its profits return to members through pricing and service rather than shareholder dividends.

Who suits a BankVic home loan?

BankVic tends to suit police, emergency-services and health workers who want a lender built around their sector, including how it treats shift allowances and overtime. Mutual pricing is often sharp but not automatically the sharpest, so check where it sits in the live table above.

Background facts checked 21 July 2026. Rates above refresh independently.

BankVic home loans: frequently asked questions

What is the lowest BankVic home loan rate?

BankVic's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.39% p.a., based on the 44 BankVic products Ratesniffers ranks by comparison rate, last verified 16 June 2026. The advertised rate isn't always the rate BankVic approves, a broker can often negotiate a sharper deal on your scenario.

How does BankVic's home loan rate compare to the market?

BankVic's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts BankVic among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where BankVic sits right now rather than a fixed snapshot.

How many home loan products does BankVic offer?

Ratesniffers currently tracks 44 BankVic home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is BankVic competitive for refinancing?

It depends on your loan size and LVR. BankVic's lowest comparison rate is currently 6.04% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing BankVic against the sharpest available rate usually pays off.

How often are BankVic's home loan rates updated?

Ratesniffers last verified BankVic's home loan rates on 16 June 2026. Rates can change whenever BankVic reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

BankVic rates by borrower and loan type

The same BankVic panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

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Mortgage guides and market context

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