Our recognition
Our awards
Awarded for everyday value
We won DBM’s Financial Award for the Most Recommended Everyday Account in March 2022*
Recognised for value
We were awarded RateCity’s Gold Award for the Best 5-Year Fixed Home Loan in April 2022
We’re a certified B Corp
As a B Corp, we meet the highest standards for how we serve our members, invest in the community, govern our business and care for our people and the environment.
Compare
Home loans with more than low rates
Refinance offer: $1,500 cash back
Variable Rate
4.45p.a.
Variable rate
4.46p.a.
Comparison rate
Owner-occupier home loan
$0 establishment fee
$0 ongoing or annual fees
Flexible repayments weekly, fortnightly or monthly
Unlimited additional repayments
Redraw available (min $50)
Apply Now Terms and conditions apply
Fixed Rates
5.85p.a.
2 year fixed rate
6.35p.a.
Comparison rate
Owner-occupier home loan
$600 establishment fee
$0 ongoing or annual fees
Additional terms available between 1 and 5 years
Additional repayments limited to $10k per year
Offset & Redraw not available
Apply Now Terms and conditions apply
Eligibility
Who can apply for our home loans?
Be eligible to be a BankVic member
You must be a BankVic member. Serving police, health or emergency service workers, those working in the Victorian public service, those related to, or close friends with, one of these workers or anyone living within 5km of a BankVic branch can join BankVic as a member
Be at least 18 years of age
You must be 18 years or older and an Australian citizen or permanent resident of Australia
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
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
What to expect
Here with you at every step
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
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
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
Together we’ll make sure everything is finalised and verified, you will then receive a loan offer and contract to sign.
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.
WAYS TO APPLY
We're here to help
at every step
Compare online
Compare and select from our range of home loan products above
Call on 13 63 73
To speak to one of our home lending experts or request a call back.
Request a callback
Meet a mobile lender
Get help from an expert face to face or online
Get in touch
Visit us in branch
Find the branch closest to you
See branches
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: