BankVic is one of the Australian home-loan lenders we track daily. We currently surface 47 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 are BankVic home loan rates?
BankVic home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.93% p.a. and the lowest fixed rate currently 6.39% p.a., last verified 2 Sept 2026. Compare BankVic against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest BankVic home loan rate?
The lowest BankVic variable home loan rate Ratesniffers tracks is 5.93% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 18 BankVic products on this page that pass data-quality checks, ranked by comparison rate, last verified 2 Sept 2026.
How many home loan products does BankVic offer?
Ratesniffers currently tracks 47 BankVic home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 18 that pass our data-quality checks on this page. 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.
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
BankVic home loan repayment calculator
Pre-filled with BankVic's lowest advertised variable rate in the table above, 5.93% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
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 are BankVic home loan rates?
BankVic home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.93% p.a., and the lowest fixed rate is 6.39% p.a., last verified 2 Sept 2026. Compare BankVic against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a BankVic balance, use /calculators/extra-repayment.
What is the lowest BankVic home loan rate?
BankVic's lowest variable home loan rate is currently 5.93% p.a., and its lowest fixed rate is 6.39% p.a., based on the 18 BankVic products Ratesniffers ranks by comparison rate, last verified 2 Sept 2026. The advertised rate isn't always the rate BankVic approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 BankVic home loan?
At BankVic's lowest variable rate of 5.93% p.a., a $600,000 principal and interest loan over 30 years repays about $3,570 a month, and $500,000 about $2,975. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 BankVic home loan?
There is no single salary. Like every Australian lender, BankVic must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.93% p.a. is assessed at about 8.93% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does BankVic's home loan rate compare to the market?
BankVic's lowest variable home loan rate today is 5.93% p.a., which is 31 basis points below the market median of 6.24% 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 47 BankVic home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 18 that pass our data-quality checks on this page. 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 5.93% 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 2 Sept 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.
