Great interest rates
Competitive rates for fixed and variable home loans.
Quick approvals
Our home lenders will help you get home loan approval quick smart.
Options to suit you
Including the option to split your home loan – part fixed, part variable.
Local support
We have a local team ready to help and provide support, and we're never too far away.
Choose from our home loans
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
- 100% offset 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
- 100% offset 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
- 100% offset available
- Up to 95% LVR (including LMI)
Basic Investment Loan
An investment home loan without the bells and whistles so you can keep things simple.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 90% LVR (including LMI)
Variable Rate Investment Loan
A variable rate investment loan with a 100% offset account, so you can use your savings to reduce the interest you pay.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 90% LVR (including LMI)
Fixed Rate Investment Loan
Enjoy the certainty of repayments with investment loans fixed from one to five years.
2 years fixed from
Fixed rate
Comparison rate*
- No ongoing monthly fees
-
Extra payments allowed
- Redraw available
- 100% offset available
- Up to 90% LVR (including LMI)
How much will your repayments be?
Crunch the numbers and find out what your repayments on your home loan might be. Or, check out our other calculators to save yourself from doing extra math!
Home loan repayment 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
Why choose BCU Bank?
As a customer-owned, customer first bank, we sit right alongside you, helping to navigate life’s financial journey.
We believe that every Australian should feel confident when it comes to their money, and we’ve helped our members achieve their financial goals for more than 50 years.
We understand that the more you know, the less overwhelming banking can feel – with BCU by your side, we make the complicated easy, and your dreams a reality. With local financial partners, competitive products, financial wellbeing content, and digital tools, our customers feel confident knowing BCU is by their side.
Discover the customer-owned differenceHandy 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
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.
Five simple tips to help pay off your home loan sooner
For the majority of us, home loans will be a necessity. Fortunately, there are several steps you can take towards paying off your home loan quicker.
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.
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.