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why brokers choose bcu

BCU offers better choices for brokers and their clients

As a leading member-owned bank, BCU was founded on the same principle that drives mortgage brokers – to provide greater choice for customers.

BCU was formed in the early 1970s by a small group of business owners, mainly Coffs Harbour banana farmers, to provide a local, community-minded alternative to the big banks.

Fast forward 50 years and we now have 21 branches across the central east coast of Australia. Our members now come from all walks of life but, no matter how much we’ve grown, our members and their communities are still at the heart of everything we do.

We’re proud to be part of the P&N Group, one of the largest customer-owned banking organisations in Australia. As a member-owned bank, we empower our members to take control of their future and achieve their financial goals – whatever that may be.

We're committed to making your life, and the lives of your clients, easier.

Our commitment to brokers

At BCU, our commitment to brokers is simple – we believe that nobody wins unless we both win.

Deal directly with decision makers – we've grown our team of Business Development Managers and Broker Assessors, so you can pick up the phone or at any time and speak to a real person who will manage your deal from application to approval.

Real time tracking – we'll give you clear, direct and straightforward answers about how your deal is tracking in realtime, so you can tell your client what they need to know to make the right decision for themselves.

Streamlined and simplified processes – we've improved our digital tools, reviewed our credit policies and taken the complexity out of our application processes. That means less paperwork, faster turnaround times and a better experience that’s easy, efficient and effective for brokers and customers alike.

We're in it for the long haul – we offer extremely fair and equitable commission clauses with no channel conflict. When your clients come back to BCU for additional lending, you’ll be paid an increased trail commission.

The right choice for your clients

As a mortgage broker, you always want the best outcomes for your clients – and that's where we come in.

Competitive rates and offers – BCU is consistently ranked in Australia's top quartile for pricing, with no upfront or annual fees on lending products.

Superior service – BCU has the digital tools your customers want, like integrated technology and self-service platforms, as well as real branches in convenient locations when they need that human touch. We also offer mobile banking services, so we can come to them, wherever they may be.

We grow with your clients – with a range of personal and business banking products designed to benefit our members in each stage of their lives, your clients will enjoy a better banking experience with BCU.

Rates and offers

BCU's award-winning loans provide your clients with competitive rates, flexible features and quick approvals.

Whether your client is buying their own home or looking to purchase an investment property, we'll work with you to find the best loan to suit their needs and offer them long-term value.

The home advantages we can offer include:

  • 95% LVR inclusive LMI for owner-occupied loans and 90% inclusive for investment property loans
  • access to NHFIC FHBG Scheme
  • 1 year self-employed financials for <80% LVR
  • 100% of child support income, Family Tax A&B, parenting payments up to the age of 18 accepted for <80% LVR
  • no upfront or annual fees on lending products
  • ability for brokers to submit their own home loan with BCU

For more information on our comprehensive range of home loan products, visit bcu.com.au/home-loans.

Meet your residential broker team

At BCU, our people are our biggest asset, and you can make them your biggest assets too.

Meet the team who are dedicated to helping your residential clients unlock the door to their dream home.

Kylie Anderson

Business Development Manager

AFG Brokers

Kylie Anderson has successfully managed broker relationships with a major lender and worked as a broker herself over the course of her 25 years in the finance industry. She’s spent a significant amount of time providing extensive lending and relationship support to the broker channel, which has provided her with a strong knowledge of credit policies and a clear understanding of the challenges encountered by brokers.

Kylie fully appreciates the significance of both the broker relationship and the customer experience, and she knows how to keep an application flowing. She can assist brokers with outside-the-box scenarios, and help them to workshop their applications when required.

Based in Brisbane, Kylie has a wide network of industry contacts in Queensland, and looks forward to introducing the BCU brand offerings to our broker partners across our NSW/QLD footprint.

Get in touch with Kylie

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Phone: 0418 911 518

Daniel Woods

State Manager

With two decades of banking experience under his belt, Daniel brings an outstanding knowledge of the mortgage and finance broking industry to his role. More importantly, he and his team have a willingness to go the extra mile that’s seen them build and maintain strong relationships with brokers and key aggregators.

Daniel is passionate about providing brokers and their clients with a genuine alternative to the major banks. He leads a team of dedicated BDMs who are equally committed to servicing the needs of brokers, and advocating for the important role brokers play in providing customers with greater choice and competition.

Get in touch with Daniel

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Phone: 0418 449 093

Meet your broker support team

Our dedicated broker support team are specifically trained to help you navigate any challenges in your application process, all the way to settlement.

Our team is ready to answer your queries during business hours by phone on 02 7907 8394 or via our .

Mel Sandford

Mel Sandford

Manager Broker Operations

Teresa Beggs

Teresa Begg

Broker Operations Specialist

Irmina Sikora

Irmina Sikora

Senior Broker Support Officer

Lauren Wright

Lauren Wright

Broker Support Officer

Jasmine Coe

Jasmine Coe

Broker Support Officer

Not accredited?

AFG residential brokers

Contact Kylie on 0418 911 518 or email This email address is being protected from spambots. You need JavaScript enabled to view it. for information on how to become accredited.

Commercial brokers

Contact Sharyn in our Partnership Banking team on 0418 831 965 or email This email address is being protected from spambots. You need JavaScript enabled to view it..

Broker resources

Accredited brokers can find product and policy information, calculators and more on our Broker Hub.

We are also offering a Broker Support chat service. Whether you'd like to speak to us on the phone or contact us via chat, you can now reach us in more ways to get answers to your questions.

Broker Hub

Log in to our Broker Hub to find information about our products, policies, calculators and more.

Available 24/7

Access the Broker Hub

Call us

Call us to speak to someone in our Broker Support team.

Monday - Friday
8:30am - 4:30pm AEST

Call 02 7907 8394

Chat with us

Get in touch with us via our Broker Support chat service to chat to a member of our team.

Monday - Friday
8:30am - 4:30pm AEST


Important things you should know

Disclaimers & Conditions of Use

    *T&Cs and eligibility criteria apply. Always read the Terms and Conditions and Target Market Determinations (TMDs).

    Credit products issued by Police & Nurses Limited (BCU) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.