Because you're on the move
OMG Home Loan from
Variable rate^
Comparison rate*
A better way to buy or refinance
Every little bit counts when you're planning your future. Our OMG Home Loan offers competitive rates, flexible features, quick approvals, and more – perfect for when you're on the move.
Free redraw
So you can access your funds if you’re ahead on your repayments.
Borrow up to 95%
You can buy your home with as little as a 5% deposit.^
No ongoing fees
No ongoing monthly loan maintenance fees.
Buy with confidence
With pre-approval valid for three months.
Interest rates
Our OMG Home Loan has tiered interest rates – meaning there's an option to suit you, no matter where you're at.
OMG Home Loan – Owner-occupier
| Loan to Value Ratio (LVR) | Variable rate |
Comparison rate*
|
|---|---|---|
| Less than 60% | 5.99% p.a. | 6.02% p.a. |
| Less than 80% | 6.04% p.a. | 6.07% p.a. |
| Less than 95%^ | 6.29% p.a. | 6.32% p.a. |
How much could you save?
Compare your options with our easy-to-use home loan comparison calculator. You can find out how different loan rates, fees, and terms compare, to find the perfect loan for your situation.
Home loan comparison calculator
More calculators
Award-winning home loans
While it’s not all about the accolades, our home loans have been recognised with multiple awards for having flexible features, competitive rates, and quick approvals.
Have a look at our trophy case
Get your free online property report
Take the guesswork out of buying or refinancing with a free online property report. It can provide you with loads of important information about a place you’re thinking about buying, or about a property you already own.
Get your free property reportYou can find out:
- An estimate of the property value
- Comparable sales in the area
- Sales and rental history in the suburb
- Suburb performance
- Local school zones and more
Handy home loan articles
Five easy ways to save money on your home loan today
With the cost of living rising, it’s important to make sure you’re making the most of your money. Here are five ways you could save on your home loan
Four great reasons to refinance your home loan
Reviewing your home loan is a good way to check it’s meeting your needs, so we've made a list of four reasons to consider refinancing your home loan.
How you can prepare for interest rate rises
For many homeowners, interest rates are becoming an increasing cause for concern. Here are five things you can do to prepare for any rate rises.
Because we're here to help
Ready to apply?
Book an appointment over the phone, via video call, or in-person with a home lender.
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
We’ll come to you
We know your time is precious, so our home lenders will come to you on your terms.
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.
Please consider the terms and conditions and whether a product is right for you.
- View terms and conditions
- View fees and charges
- View Credit Guide
- Create a Home Loan Key Fact Sheet
- View LMI Information Fact Sheet
- View Target Market Determinations (TMDs)
*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.
^If you are borrowing more than 80% of the property’s value (Loan to Value Ratio), you may be required to pay Lenders Mortgage Insurance (LMI).