bcu - Home loans

	Residential home & investment loans Competitive interest rates No monthly or annual fee Large range of products Repayment flexibility Free redraw and offset functionality
	Loan amount
	minimum loan
	maximum loan
	Loan term
	maximum term
	Loan to valuation ratio
	maximum LVR
	Mortgage insurance
	at borrower's expense where LVR is above
	Interest (view rates)
	principal and interest
	interest only ²
	Summary of fees
	establishment fee
	annual loan fee
	switch fee (variable rate to a fixed rate)
	fixed rate lock-in fee
	early loan repayment fee
	Features / other
	minimum redraw amount
	offset facility (full offset)
	Eligibility
	must be 18+ years

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Standard variable Apply X	Discounted variable Apply X	Maximum discounted variable Apply X	Fixed rate Apply X	All in one standard Apply X	All in one discounted variable Apply X	All in one maximum discounted variable Apply X	Bridging loan Apply X	Low doc standard variable Apply X	Low doc fixed rate Apply X

$10,000	$20,000	$50,000	$20,000	$20,000	$150,000	$250,000	$50,000	$10,000	$20,000
$2.5m	$2.5m	$2.5m	$2.5m	$2.5m	$2.5m	$2.5m	$1m	$1m	$1m

40 years	30 years	30 years	1-5 years¹	n/a	n/a	n/a	6 months	30 years	1-5 years¹

95%	95%	95%	95%	90%	90%	90%	50%	80%	80%

90%	80%	80%	90%	80%	80%	80%	n/a	80%	80%

				n/a	n/a	n/a
				n/a	n/a	n/a

$600^#; $200^*	$600^#; $200^*	$600^#; $200^*	$600^#; $200^*	$600^#; $200^*	$600^#; $200^*	$600^#; $200^*	$900^#	$795^#	$795^#
$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
			n/a				n/a		n/a
			0.15% of loan amount						0.15% of loan amount
					n/a	n/a

$1,000	$1,000	$1,000	n/a	n/a	n/a	n/a	n/a	$1,000	n/a

Home Loan Key Facts Sheet Calculator

1. Loan reverts to the applicable variable rate (standard or discount) on maturity of fixed term.
2. Redraw not available during interest only period.
# Applies to loan secured by new real estate mortgage (single residential property).
* Applies to loan secured by security agreement over investment deposit.

Home Dispute Resolution Privacy Site terms and conditions APS Disclosure	T: 1300 228 228 \| bsb: 704 328
Copyright 2013. Banking products issued by Bananacoast Community Credit Union Ltd ABN 50 087 649 750 AFSL 241077 Australian Credit Licence Number 241077. bcu is not responsible for any websites you access from www.bcu.com.au. bcu’s registered office is located at Level 2, 144-148 West High Street, Coffs Harbour, NSW 2450; PO Box 1563, Coffs Harbour, NSW 2450. This website contains general advice and has been prepared without taking into account your objectives, financial situation or needs. Therefore, you should consider whether this advice is appropriate for you and read the Terms and Conditions, Fees and Charges Schedule and Financial Services Guide before acquiring any basic deposit product. Loans available to approved applicants only. Normal lending criteria, terms and conditions apply. Interest rates, fees and charges are payable and are subject to change without notice. Please read bcu’s Credit Guide and Schedules of Fees and Charges for home loans and personal loans before acquiring a bcu loan or credit product.