At Police Credit Union, we’re proud to be a trusted, member-first alternative - supporting those who serve New Zealand and the communities around them.
Home loans with PCU
Whether you’re buying your first home, building, upgrading, or investing, we’re here to help you every step of the way. And because you’re a member, anyone in your extended family can take advantage of everything we offer.
Why us?
Get the same great rates and cash contributions, but have your money making a real difference.
You’ll receive the same great rates you’d expect from the major banks, but with a key difference: your loan supports a mutual community instead of funding excessive profits that head offshore.
As a member-owned organisation, we reinvest back into our members through great service, savings and lending solutions. This means your home loan is doing more than just financing a property; it is contributing to the wellbeing of people like you.
Refinance your home
If you already have a home loan elsewhere, now is a great time to consider bringing it across to Police Credit Union. When you refinance with us:
- You’re eligible for a 1% cash contribution if you have at least 20% equity.
- You’ll benefit from competitive rates and flexible lending solutions.
- You’ll know your home loan is supporting a purpose-driven, member-focused organisation and the community of Police, NZ Defence, and Emergency Services … not bank shareholders.
Become a landlord
If you already own a home, you may be in a strong position to take your next step into property investment.
We offer a compelling option for members looking to refinance their existing home and purchase an investment property at the same time. And now is arguably a great time to be looking in the property market.
With us, you only need 20% equity across both properties combined, which can be more flexible than many banks requiring higher equity levels for investment lending.
You’ll get the same 1% cash contribution and great rates across both mortgages, and we have interest-only options available for investment properties.
Get in touch today to see how we can help you make the most of your home loan while you help make a difference in your Credit Union community. We can often turn around your application in a matter of days.
🏡 Ready to apply
If you apply for a home loan with PCU, you'll need to provide:
- 3 months of all your bank statements
- Proof of your home deposit funds (screenshots or statements)
- Your recent payslip