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First Home TOGETHER (shared ownership)

1 year fixed

7.84% pa

2 year fixed

7.39% pa

Get into your first home, faster, with our shared ownership home loan package.

  • We'll put in up to 10% interest-free towards your 20% house deposit as well as a regular home loan for the balance
  • No limits on your household income
  • No caps on the home you can buy
First Home TOGETHER in detail


Personal Loans

PSS Secured

10.50% p.a.

Vehicle secured

12.95% p.a.

Get money for something you’ve had your eye on, consolidate debt, or in case of emergency.

  • Secure your loan against your PSS, GSF, or motor vehicle
  • Re-borrow the amount you have already paid off for PSS secured loans
  • Make early or lump sum repayments without penalty
  • Borrow up to $10,000 on an unsecured loan
Personal loans in detail Apply for a personal loan


Retire Easy (Reverse Mortgage)


8.94% pa

Make the most of your retirement by freeing up some of the cash in your home to spend how you want.

  • Take it as a lump sum(s) or get a regular amount
  • No need for any regular repayments
  • Stay in your home for as long as you want
Reverse Mortgages in detail


Car Loans

Secured car loans

12.95% pa

Get pre-approval whether you’ve found the car you want to buy or are still kicking the tyres.

  • Get pre-approval before you go shopping
  • Buy your car through a dealer, privately or online
  • Make early or lump sum repayments without penalty
Apply for a car loan


Home Loans

1 year fixed

7.24% pa

2 year fixed

6.79% pa

  • Secure your home loan up to 80% of the value of the property
  • Borrow against your PSS or GSF to cover the remaining 20% of your loan
  • Floating, 1 year and 2 year rates available
  • May require a high-LVR margin of up to 0.60%p.a.
Apply for a home loan

Rates and Fees

View all our interest rates and fees.

Terms and Conditions

View all our Terms and Conditions.

Loan Agreements

View all our Loan Agreements.

Loan protection insurance

Free for members under 65 whilst they are (or their parents are) employed by New Zealand Police.

You’ll be covered up to $75,000 of the outstanding loan balance upon your death or in case of a permanent disability.

If you are not eligible for the free loan protection insurance, you can apply for standard loan protection insurance through another insurance company.

See terms and conditions

Apply for a loan

You’ll need your:

  • QID if you’re a sworn officer
  • Proof of income
  • Current PSS balance if you’re securing by PSS
  • Your bank account statements for the last 3 months