Buying a home or looking for an alternative to the banks?

Here at BCU, not only will you get a loan that could save you money, you also get great personal service and understanding from a community credit union that keeps your money local.

At BCU we have home loans with fixed and competitive standard variable home loan rates.

More importantly, BCU can tailor a package to suit, whatever your needs.

Fixed Rate Home Loans – Know where you stand with your repayments fixed for a specified period.

Standard Variable Home Loans - Whether you're buying your first home, building or upgrading, BCU offers a competitive variable interest rate loan.

Many of BCU's home loans include:

NO monthly loan account fees*
FREE redraw facility
FREE payroll transfers into your loan account
Flexible repayment options to save you money
Flexible access options to save you time
Loan protection insurance to give you peace of mind

Depending on the amount you borrow a discount may apply to the interest rate you are charged. Those on a Flexi-Rate Home Loan receive a discount of 0.4%pa off the standard variable rate while BCU members on a Premier Rate Home Loan receive a discount of up to 0.7%pa off the standard variable rate. Unlike many financial institutions, BCU doesn't charge you an annual fee for the privilege of receiving the discounted rate.

For help understanding all your home loan options talk to one of our Lending Managers or BCU Direct on 1300 228 228.

Compare loans, estimate your repayments, calculate the impact of extra repayments, see how much you’re paying off your loan principal and find out which suburbs you can afford to buy in. Click here to access our helpful online calculators.

Looking for the most effective way to manage your money?

BCU offers several options to those trying to minimise interest repayments on their home loan while retaining access to their savings.

For more information or to find out if you are eligible for these facilities, ask at any BCU branch or call 1300 228 228.

*One monthly Membership Levy applies regardless of the number of accounts held.