Great rates. Even better service.
Owner occupier OMG Home Loan from
Variable rate
Comparison rate*
A better way to buy or refinance
Some searches start with “easy weeknight meals” or “best coffee near me”. But the search that could save you money starts with BCU Bank. With our OMG Home Loan, you can enjoy a competitive rate, no ongoing fees, and flexible options to save on your current loan or move into your new home sooner.
Find out how much you could save today!
Why choose BCU Bank for your home loan?
Great interest rates
Get great value with competitive rates on both fixed and variable home loans.
Quick approvals
Home loan approvals that won’t slow you down – we’ll help you get approved, quick smart.
Flexible options
Features like extra repayments, redraw, offset accounts, and split home loans to suit your needs.
Local support
Friendly support you can count on with people who genuinely care – and we’re never too far away.
Home loans that could save you money
Home loans that could
From flexible features to competitive rates, we have home loan options available so you can find your perfect fit.
OMG Home Loan
A simple home loan with no ongoing fees and a low variable interest rate.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- Offset account available
- Up to 95% LVR (including LMI)
Offset Home Loan
A variable home loan with the flexibility to use your savings to reduce the interest you pay.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- Offset account available
- Up to 95% LVR (including LMI)
Fixed Rate Home Loan
Enjoy the certainty of repayments with home loans fixed from one to five years.
2 years fixed from
Fixed rate
Comparison rate*
- No ongoing monthly fees
-
Extra payments allowed
- Redraw available
- Offset account available
- Up to 95% LVR (including LMI)
You’re in good hands with our 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.
Check out our helpful home loan calculators
From working out what you could borrow to comparing two home loans side-by-side, our calculators can help you move with confidence.
Home loan repayment calculator
Home loan comparison calculator
Handy home loan articles
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.
What is a home loan pre-approval and why do I need one?
Obtaining a home loan pre-approval is a significant step you need to take before applying for a home loan. Learn what it is and why you need one.
What information do you need to supply when applying for a home loan?
Whether you're buying your first home or refinancing, we’ve put together a list of what information you’ll need when applying for a home loan.
Because we're here to help
We'll call you
Drop us your details and one of our home loan specialists will be in touch.
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.
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.