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We’re lowering some of our interest rates following the Reserve Bank's latest announcement. Find out more.

Essential services home loan offer

Our essential services home loan offer recognises the important work you do, whether it’s protecting, educating, or rehabilitating the community.

Refinancing your home loan doesn't have to be challenging

Take the edge off refinancing and receive $1,500 when you choose a BCU Bank home loan.

Plus, because we know your time is valuable, you'll receive the $1,500 payment in your BCU transaction account by the end of the following month after your loan is funded. It’s as simple as that!

Eligibility requirements

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

  • be currently employed within the 'Essential Services Group for BCU Bank'.
  • have a Loan Value Ratio (LVR) of 80% or less.
  • be applying for a new home loan of $250,000 or more, either for an owner-occupied or investment property. This rebate does not apply to internal refinancing, bridging loans, construction loans, or lines of credit.

Essential Services Group members include:

  • State or Federal Police.
  • Police staff, including auxiliary officers and any QLD or NSW Police employee.
  • Nurses (clinical, registered, and travel).
  • Doctors.
  • Firefighters (salaried non volunteer).
  • Paramedics.
  • Ambulance Emergency Medical Dispatchers.
  • Prison Officers only.
  • Teachers (primary, secondary, & specialist e.g., language) and University lecturers.

Because we're here to help

We’ll come to you

We know your time is precious, so our home lenders will come to you on your terms.

Meet the team

Ready to apply?

Book an appointment over the phone, via video call, or in-person with a home lender.

Book an appointment

Find your local branch

You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!

Find a branch

Important information

Banking and Credit products issued by Police & Nurses Limited (BCU Bank).

Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply. 

The Essential Services Home Loan Offer is subject to the Essential Services Home Loan Offer terms and conditions.