Skip to main content

Because you're buying your first home

Get a great rate, with a lender that gets you.

Home loans for first home buyers from

5.74
% p.a.

Variable rate

5.77
% p.a.

Comparison rate*

  • Customer-owned, putting you first
  • Local and community-focused
  • Building trust for over 50 years

Ready to take the next step?

Speak with a home lender

Why choose BCU Bank for your first home loan?

Let’s talk about what matters – your first home, your plans, and support from a lender that gets you.

Smaller deposits

As a participating lender in the Australian Government 5% Deposit Scheme, you may be able to buy with a smaller deposit.

Great rates

See if you could save with competitive rates across fixed and variable home loans.

Flexible options

From offset and redraw to split loans, find features that fit how you manage your money.

Fast approvals

With mobile, virtual and in-branch lenders, we’ll help you get approved sooner.
Get in touch with a home loan specialist

Let’s find a home loan that fits you

Competitive rates and flexible options to help you get started sooner.

OMG Home Loan

A simple home loan with no ongoing fees and a low variable interest rate.

From

5.74
% p.a.

Variable rate

5.77
% p.a.

Comparison rate*

Learn about OMG Loan

Offset Home Loan

A variable home loan with the flexibility to use your savings to reduce the interest you pay.

From

5.89
% p.a.

Variable rate

5.92
% p.a.

Comparison rate*

Learn about Offset Loan

Fixed Rate Home Loan

Enjoy the certainty of repayments with home loans fixed from one to five years.

2 years fixed from

6.54
% p.a.

Fixed rate

6.12
% p.a.

Comparison rate*

Learn about Fixed Rate Loan

Get a clearer picture with our calculators

Estimate your repayments and borrowing power to help plan your next step.

Home loan repayment calculator

Calculate repayments

Home loan borrowing power calculator

Calculate borrowing power

Everything you need to get started

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.
Enquire now

Ready to apply?

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

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

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. 

*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.