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Better rate. Better life.

A better way to buy or refinance

Every little bit counts when you are planning your future. Live better with one of our award-winning home loans that offer competitive rates, flexible features, quick approvals and no ongoing fees.

Why choose BCU?

Flexible loan options

Find the home loan that's right for you.

Home loan specialists

To help you at every stage.

 

Buy with confidence

Pre-approval valid for 3 months.

Online appointment booking

Book an appointment with a home loan specialist.

Book an appointment

How much could you save?

Use the home loan comparison calculator to find out how different loan rates, fees and terms compare to find the perfect loan for your situation.

Book an appointment

Discover our home loans

Interest rate 5.99% p.a.
Comparison rate 6.00% p.a.
Overview Our OMG Home Loan offers a variety of great low rates depending on your loan to value ratio (LVR), with no ongoing fees.
Establishment fee $0
Monthly fee $0
100% offset account
Redraw available
Interest only available at different interest rates
Maximum loan term 30 years
Minimum loan amount $100,000
Interest rate From 6.19% p.a.
Comparison rate From 6.20% p.a.
Overview A variable rate home loan with the flexibility to use your savings to reduce the interest you pay.
Establishment fee $0
Monthly fee $0
100% offset account
Redraw available
(minimum $1,000)
Interest only available at different interest rates
Maximum loan term 30 years
Minimum loan amount $50,000
Interest rate 5.99% p.a.
Comparison rate 6.24% p.a.
Overview Secure a low rate and enjoy the certainty of repayments, with our owner occupied Fixed Rate Home Loan.
Establishment fee $0
Monthly fee $0
100% offset account
Redraw available
Interest only available at different interest rates
Maximum loan term 30 years
Minimum loan amount $20,000

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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

Mozo Experts Choice Award 2023 - Fixed Rate Home Loan winner
Mozo Experts Choice Award 2020 - Low Cost Home Loan winner

Free online property report

Take the guesswork out of buying or refinancing with a free online property estimate report. The property profile report gives you important information and insight about any property in Australia, whether it’s a property you’re interested in buying, or one you already own.

Get your FREE property report

You 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 

You may also be interested in:

Five easy ways to save money on your home loan today

Home loan debts can be large, and with the cost of living rising, it's important to ensure you're making the most of your money.

We've put together a list of five ways you could save money on your home loan.

Read more

Four great reasons to refinance your home

If you've had your home loan for a while, it could be worth reviewing it to make sure it's still suitable for your circumstances.

Here are four reasons to consider refinancing your home loan.

Read more

How you can prepare for an upcoming interest rate rise

Interest rate hikes may put some extra pressure on your existing household budget, so before they do, it could pay to start planning ahead.

Find out more about what you can do to prepare for interest rate rises.

Read more

Important information

    Credit eligibility criteria, terms & conditions and fees & charges apply and are available upon request.

    Credit products issued by Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. 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.

    Rate advertised is for P&I loans >$100k. LVR 60%. Other loan to value ratio tiers and rate options are available on our website. *Visit this page to see comparison rate information.

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    Create a Home Loan Key Facts Sheet