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Backing essential services workers

A home loan offer built for essential service workers – with practical benefits that recognise the way you work.

BCU is a customer-owned bank, proudly supporting the communities we serve across New South Wales and Queensland.

We recognise the important role essential service workers play in protecting, educating and caring for our communities. That’s why we offer exclusive benefits designed to support the way you work – from cashback offers to home loans that take overtime into account.

Built for OUR essential workers

Exclusive offer

Tailored banking benefits, available only to NSW and QLD essential workers.

Banking that works harder

Flexible lending that recognises shift work, rosters, and overtime income.

Proudly local

Locally-based, customer-owned, and supporting the people who keep our communities running.

Recognising your work with real financial benefits

Because when you’re busy supporting others, your bank should be supporting you.

$1,500 cashback on eligible home loans*

That’s money back in your pocket when you need it most. Not available when LMI is waived.

100% balance interest offset facility

Every dollar in your account works harder to save you money on eligible home loans.

Overtime income recognised

We take 100% of your overtime into consideration when assessing your loan.

Lenders Mortgage Insurance (LMI) waived

Save on upfront costs and interest when borrowing up to 90% LVR.

Check out our home loans

Who's eligible?

If you work in one of the following essential services roles, you may qualify for this offer:

  • State or federal police
  • Police staff – including auxiliary officers and employees
  • Nurse – clinical, registered, and travel
  • Doctor
  • Firefighter (salaried non-volunteer)
  • Paramedics
  • Ambulance Emergency Medical Dispatchers
  • Prison Officers
  • Teachers – primary, secondary, and specialist (e.g. language)
  • University lecturers

Simple, flexible banking

Your time is valuable. That’s why we offer digital cards, a mobile app and internet banking, plus digital wallets like Apple Pay, Samsung Pay and Google Pay™ – so you can bank your way, anytime.

Opening a new account is quick and easy too. In just a few minutes, you can start enjoying the benefits of banking with a customer-owned bank that supports the communities it serves.

Open a bank account online

Because we're here to help

Talk to the team

Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.

Contact us

We'll call you

Drop us your details and one of our home loan specialists will be in touch.

Enquire now

Find your local branch

You’ll find us from Tweed heads 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. 

*$1,500 cashback is not available with any other offer. Minimum new money loans of $250,000 and LVR of 80% or less. The Target Market Determinations (TMD) for our products are available on our website or upon request. Other eligibility and lending criteria, terms and conditions, and fees and charges apply. BCU Bank reserves the right to withdraw the offer at its discretion.

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