Autumn 2021 campaign - Does your home loan still fit?
Refinance Offer: $1,500 cash back

Does your home loan still fit?

Refinance to our low variable rate home loan with $1500 cash back and start saving



Variable rate



Comparison rate

Terms and conditions apply - see here

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.


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

    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

  2. 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

With you every step

Meet a
mobile lender

Our mobile lenders 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
Here with you at every step
  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:

DBM Disclaimer

*Award is based on information collected from the DBM Atlas research program – feedback from over 80,000 businesses and/or retail customers January 2021 through December 2021.