Welcome to the BankVic broker website. As a mortgage broker, you know that finding the right home loan and interest rate for your clients is key to your success. Let us help you streamline the process with our expert knowledge and top-tier resources. Contact us today to learn more.

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Broker Hub

Police and Emergency services offer

A great home loan rate and $3,000 cashback for eligible broker acquired home loans

Special police and emergency services home loan offer for loans from $350,000.
Terms and conditions apply.

Health services offer

A great home loan rate plus $2,000 cashback

Special home loan offer for health workers.
Terms and conditions apply.

Service Level

Service level - Approval turnaround times

Our service levels are subject to receiving all information and documents in full at lodgment stage, as detailed in our home loan application checklist.
We usually take up to 5 days for PAYG applications and 10 days for Self-Employed applications to commence assessment of a file.
  1. Settlement

    1. Application Checklist

    Follow our home loan application checklist and ensure it is completed in full.

  2. Forms & documents

    2. Documents

    Ensure all ID documents are current and meet our customer identification guidelines.

  3. Hand and money

    3. Serviceability

    Check serviceability prior to submitting. If you need help completing the servicing calculator please contact your broker development manager.

  4. House with a dollar sign

    4. Valuation inspection

    Ensure owners/tenants can facilitate a valuation inspection, if required.

Accreditation

Becoming a BankVic accredited broker

Our accreditation process is designed to help you understand our products, policies, and processes. This will enable you to provide your customers with a great experience.

Apply now to become accredited

Training

We're here for you at every step

RATES TABLE

Rates & fees

  • Special Offer Police Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Special Offer Police Variable Rate for owner-occupiers (P&I)
    5.93%
    5.94%
    1. (1) This special offer owner-occupier police variable rate property loan is only available for new borrowings and refinances from other financial institutions outside of BankVic. Eligibility is limited to current employees of any Australian police force including the Australian Federal Police and any member of The Police Association of Victoria (TPAV) or Australian Federal Police Association (AFPA). Approval subject to BankVic's credit assessment. Rates are subject to change.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Police Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Police Variable Rate for owner-occupiers (P&I)
    6.04%
    6.04%
    1. (1) This owner-occupier police variable rate home loan is for new borrowings, refinances and top-ups. Eligibility is limited to current employees of any Australian police force including the Australian Federal Police and any member of The Police Association of Victoria (TPAV) or Australian Federal Police Association (AFPA). Offset account not available. Approval subject to BankVic's credit assessment.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Offset Police Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Offset Police Variable Rate for owner-occupiers (P&I)
    6.08%
    6.09%
    1. (1) This owner-occupier offset police variable rate home loan is for new borrowings, existing BankVic loans requesting to take advantage of the offset feature and refinances from other financial institutions outside of BankVic. Eligibility is limited to current employees of any Australian police force including the Australian Federal Police and any member of The Police Association of Victoria (TPAV) or Australian Federal Police Association (AFPA). Approval subject to BankVic's credit assessment. An eligible offset account must be linked to the offset variable home loan.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Special Offer Police Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Special Offer Police Variable Rate for investors (P&I)
    6.13%
    6.18%
    1. (1) This special offer investor police variable rate property loan is only available for new borrowings and refinances into BankVic. Eligibility is limited to current employees of any Australian police force including the Australian Federal Police and any member of The Police Association of Victoria (TPAV) or Australian Federal Police Association (AFPA). Approval subject to BankVic's credit assessment. Rates are subject to change.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Police Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Police Variable Rate for investors (IO)
    6.49%
    6.54%
    Police Variable Rate for investors (P&I)
    6.44%
    6.49%
    1. (1) This police investor variable rate property loan is available for new borrowings, refinances and top-ups. Eligibility is limited to current employees of any Australian police force including the Australian Federal Police and any member of The Police Association of Victoria (TPAV) or Australian Federal Police Association (AFPA). Approval subject to BankVic's credit assessment.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Offset Police Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Offset Police Variable Rate for investors (P&I)
    6.49%
    6.54%
    1. (1) This offset police investor variable rate home loan is for new borrowings, existing BankVic loans requesting to take advantage of the offset feature and refinances from other financial institutions outside of BankVic. Eligibility is limited to current employees of any Australian police force including the Australian Federal Police and any member of The Police Association of Victoria (TPAV) or Australian Federal Police Association (AFPA). Approval subject to BankVic's credit assessment. An eligible offset account must be linked to the offset variable home loan.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Terms and conditions, fees and charges are available at bankvic.com.au, by calling 13 63 73 or visiting a branch. A Target Market Determination (TMD) for every product is available to help members decide if a product is suitable for them.

    Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our home loan is based on a on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

  • Special Offer Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Special Offer Variable Rate (P&I)
    5.99%
    6.00%
    1. (1) This special offer owner-occupied variable rate property loan is only available for new borrowings and refinances from other financial institutions outside of BankVic. Offset account not available. Approval subject to BankVic's credit assessment. Rates are subject to change.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Variable Rate (P&I)
    6.10%
    6.10%
    1. (1) This owner-occupier variable rate home loan is for new borrowings and refinances from other financial institutions outside of BankVic. Offset account not available. Approval subject to BankVic's credit assessment.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Offset Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Offset Variable Rate (P&I)
    6.14%
    6.14%
    1. (1) This owner-occupier offset variable rate home loan is for new borrowings, existing BankVic loans requesting to take advantage of the offset feature and refinances from other financial institutions outside of BankVic. Approval subject to BankVic's credit assessment. An eligible offset account must be linked to the offset variable home loan.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Fixed Rates
    Base Rate (% PA)
    Comparison Rate (% PA)
    1 year fixed rate (P&I)
    6.15%
    6.15%
    2 year fixed rate (P&I)
    5.49%
    6.03%
    3 year fixed rate (P&I)
    5.59%
    6.00%
    4 year fixed rate (P&I)
    6.69%
    6.36%
    5 year fixed rate (P&I)
    6.79%
    6.45%
    1. (1) Fixed rates apply for owner-occupied loans with principal and interest repayments, at the end of the Fixed Rate period the interest rate will revert to our variable rate applicable at that time. You can make up to $10,000 pa in additional payments without incurring any penalty cost, any amounts exceeding $10,000 may incur a break cost. Please see the fees and charges guide for more information. Approval subject to BankVic's credit assessment.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Terms and conditions, fees and charges are available at bankvic.com.au, by calling 13 63 73 or visiting a branch. A Target Market Determination (TMD) for every product is available to help members decide if a product is suitable for them.

    Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our home loan is based on a on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

  • Special Offer Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Special Offer Variable Rate (P&I)
    6.19%
    6.24%
    1. (1) This special offer investor variable rate property loan is only available for new borrowings and refinances into BankVic. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI) or up to 90% of the property value with LMI. Offset account not available. Approval subject to BankVic's credit assessment. Rates are subject to change.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Variable rate (IO)
    6.55%
    6.57%
    Variable rate (P&I)
    6.50%
    6.55%
    1. (1) This investor variable rate property loan is available for new borrowings, refinances and top-ups. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI) or up to 90% of the property value with LMI. Offset account not available. Approval subject to BankVic's credit assessment.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Offset Variable Rate
    Base Rate (% PA)
    Comparison Rate (% PA)
    Offset Variable Rate (P&I)
    6.55%
    6.60%
    1. (1) This offset investor variable rate property loan is available for new borrowings, refinances and top-ups. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI) or up to 90% of the property value with LMI. Approval subject to BankVic's credit assessment. An eligible offset account must be linked to the offset variable home loan.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Fixed Rates
    Base rate (% PA)
    Comparison rate (% PA)
    1 year fixed rate (P&I)
    6.35%
    6.53%
    2 year fixed rate (P&I)
    5.69%
    6.39%
    3 year fixed rate (P&I)
    5.79%
    6.35%
    4 year fixed rate (P&I)
    6.89%
    6.69%
    5 year fixed rate (P&I)
    6.99%
    6.77%
    1 year fixed rate (IO)
    6.55%
    6.55%
    2 year fixed rate (IO)
    5.89%
    6.43%
    3 year fixed rate (IO)
    5.99%
    6.40%
    4 year fixed rate (IO)
    7.09%
    6.78%
    5 year fixed rate (IO)
    7.19%
    6.89%
    1. (1) Fixed rates apply for investment loans with principal and interest repayments, at the end of the Fixed Rate period the interest rate will revert to our investor variable rate applicable at that time. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI) or up to 90% of the property value with LMI. You can make up to $10,000 pa in additional payments without incurring any penalty cost, any amounts exceeding $10,000 may incur a break cost. Please see the fees and charges guide for more information. Approval subject to BankVic's credit assessment.

      WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for our home loans are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rates have been calculated on a loan amount of $150,000 over a term of 25 years.

    Terms and conditions, fees and charges are available at bankvic.com.au, by calling 13 63 73 or visiting a branch. A Target Market Determination (TMD) for every product is available to help members decide if a product is suitable for them.

    Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our home loan is based on a on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

  • Establishment Fee: may be charged when you setup a home loan
    Fee Type
    Fees
    Set-up fee
    $300
    Standard metro valuation
    $300
    Top-up fee
    $200
    Other fees that may be charged when you setup a home loan
    Fee Type
    Fees
    Non-standard valuation (1)
    At cost (for country, interstate and high value properties)
    Progressive inspection fee
    Up to $150 per inspection
    Production of title (held by BankVic)
    $330
    Title search
    Up to $25 per search
    BankVic representation at settlement
    $99
    Financial institution cheque
    Free
    Transfer via Real Time Gross Settlement (RTGS)
    $15 per transaction. Waived only for BankVic home loan settlements.
    • (1) Some country and interstate areas may incur a valuation fee up to $1,000. In addition to the above valuation costs, a commercial loan may incur additional costs. These costs will be available upon application. Any valuation cost that is additional to the Establishment Fee, will be payable in full at the same time the Establishment Fee is due.

    Fees that may be charged after taking out a home loan
    Fee Type
    Fees
    Security substitution and loan portability
    $400
    Loan switching
    $200
    Discharge fee
    $295 per lodgement
    Third party fees (1)
    At cost
    Redraw (2)
    Free
    Fixed Rate early repayment and break costs (3)
    Unascertainable
    • (1) Fees payable if we incur a fee from any third party, including our solicitor or PEXA, as result of any matter relating to your Loan Contract or Security following the Settlement Date.

    • (2) Only available with variable rate home loans. Minimum transaction is $50.00.

    • (3) Break costs are an amount equal to our reasonable estimate of our loss as a result of you breaking the fixed interest period. If during a fixed interest period you repay the loan or change from a fixed interest rate loan to a variable interest rate loan or change from one fixed interest loan to another or pay more than $10,000 of the money owing before it is due in a calendar year, then break costs may be applied. Refer to the terms of your Loan Contract for full terms and conditions and calculation details.

    Terms and conditions, fees and charges are available at bankvic.com.au, by calling 13 63 73 or visiting a branch. A Target Market Determination (TMD) for every product is available to help members decide if a product is suitable for them.

    Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for our home loan is based on a on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

Why BankVic

Our commitment to brokers

As a BankVic accredited broker you will get access to

  • Apply online

    The NextGen platform to apply online

    Designed to improve efficiency and processing ability. Easy application lodgment and tracking available in real time.

  • Dedicated team

    A dedicated team

    Our Broker Development Managers and local credit and broker support give you the right people to call at any time to support you in managing your applications right through to approval.

  • Learn more about our Personal Loan offers

    Simple product range

    Our simple product range, policies and tools take the complexity out of applications so you can focus on your client's needs.

Contact Us

Meet the BankVic broker support team

For general enquiries, email us on brokerloans@bankvic.com.au for assistance.

Regional Manager NSW/ACT

Kosta Zorbas

Kosta has over a decade of experience in the banking and finance industry. After joining BankVic as a Mobile Lending Manager, he has progressed to leadership roles overseeing branch, mobile lending, digital lending, member care, retention and relationship teams. Kosta is eager to provide best practice support for brokers and looks forward to working with you.

Call: 0417 654 750 | Email: kzorbas@bankvic.com.au

Get in touch

Broker Development Manager VIC/QLD/TAS

Paul Meilak

Paul has over 20 years' experience in banking and finance. Over this time, he has held roles at banks and mutuals in contact centre, credit decisioning (first and third party), business banking, franchise banking, relationship management, business development, projects and has led a team of lenders. Paul is available to introduce you to BankVic and help you with your needs and.

Call: 0439 682 939 | Email: pmeilak@bankvic.com.au

Get in touch

Broker Development Manager WA/SA/NT

Erica Clarke

Erica has more than 15 years experience in banking and finance and is passionate about assisting members reach their financial goals. During this time, Erica has worked in relationship management, mobile and direct banking, business development, and most recently in BankVic’s broker team, supporting brokers in providing value-adding lending solutions for their clients.

Call: 0400 891 225 | Email: eclarke@bankvic.com.au

Get in touch

Useful links

Useful links and important documents

Information on this page is general in nature.

We recommend that you read the documents and visit the links for more information.