BCU Home Loan

Variable interest rates starting from 5.99% (6.01%)*

Compare BCU home loan products, fees and features

BCU was formed in the early 1970s by business owners, mainly from the NSW North Coast working as farmers which makes them a bank focused on setting realistic banking goals and working with customers on a local level. Focusing on community banking from port macquarie to the sunshine coast. They care about their customers, valuing them and appreciating their time, they can help you succeed with achieving any financial goal, as well as offering the best services and tools.



Refinancing your home loan doesn't have to be challenging *

Our Essential Services Home Loan Offer recognises the important work you do, whether it's protecting, educating, or rehabilitating the community.

Take the edge off refinancing and receive $1,500 when you choose a BCU Bank home loan. It's as simple as that!

Your time is valuable. Get the $1,500 payment in your BCU transaction account by the end of the following month after your loan is funded.

To be eligible for the $1,500 rebate, you must meet the following criteria:

  • Currently employed within:
    • NSW Police or QLD Police Service employee (including auxiliary)
    • Nurse, including clinical, registered, and travel
    • Teacher, including specialist (e.g. language), Tafe, and University
    • Fire and Rescue NSW or QLD Fire and Emergency Services employee
    • Corrective Services employee (including auxiliary)
  • Loan Value Ratio (LVR) of 80% or less
  • Applications for owner occupied or investor home loan(s) of $250,000 or more, new money (excluding internal refinancing, bridging loans, construction loans and Lines of Credit)
  • Subject to Essential Services Home Loan Offer Terms & Conditions. Lending Criteria Terms & Conditions, Fees & Charges apply
  • Apply from 01/11/2023, and settle within 120 days of the loan application date
Offer ends 31 December 2024

BCU Home Loan Product Features

Basic Home LoanBridgingEquity ProductOffset Home LoanOMG Home LoanVariable Home Loan
Lowest Variable Rate
(Comparison Rate)
6.29% (6.31%)*9.76% (9.79%)*7.74% (7.76%)*6.14% (6.16%)*5.99% (6.01%)*6.44% (6.46%)*
Max LVR70%80%80%60%60%90%
Min Loan Amount$20,000$20,000$20,000$20,000$20,000$20,000

Product Fees

Application------
Settlement$300$300$300$300$300$300
Discharge$395$395$395$395$395$395
Product------
Fee Cycle------
Peter Hammond Mortgage Broker

Contact Sydney mortgage broker

Are you trying to compare bcu's interest rates, discharge fees, settlement fees or applicant fees?

We have over 20 years of experience working with different Australian Home Loan providers, including bcu. Speak with Get a Better Rate and have an experienced Mortgage Broker help navigate your next home loan. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Australia Home Loan providers, reach out for a chat today!

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Product Features

RepaymentWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, Monthly
Offset
Redraw
EFTPOS
Debit Card
BPay
Internet Banking
Bridging
Construction

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Additional resources and tools

No matter what aspect of home loans you want to address with us, we have plenty of additional resources and tools to help you. Whether you want to compare home loans with the bcu, calculate your loan repayments, or figure out how much you will save when you refinance your existing loan, Get a Better Rate has you covered.

Refinance Calculator

Our refinance comparison calculator, will help you understand what you could be savings on your home loan

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Loan Repayment

How much will be loan repayments be?

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