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Apply online for an OMG Home Loan

Apply online and enjoy a rate discount

Apply for an OMG Home Loan online and, if approved and settled, you could receive a 0.10% p.a. discount on our variable rate.†

This online application is suitable for home loans on properties you intend to live in (owner-occupied).

Who this is for

  • New home loans, or
  • Refinancing from another lender, or
  • Topping up a BCU Bank home loan for at least $100,000
  • Borrowing at least $100,000
  • Loan-to-value ratios (LVR) of 80% or less inclusive of fees
Start your application

Who this isn't for

  • Investment properties
  • Construction or building
  • Loans with an LVR above 80% inclusive of fees
  • Loans worth less than $100,000

If this sounds like you, get in touch and one of our home loan specialists will help you find the right option.

Request an appointment

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. Eligibility criteria, terms and conditions, fees and charges apply. 

Please consider the terms and conditions and whether a product is right for you. 

†This discount is available for eligible applications received from 01/07/2026 and may be amended, withdrawn, or extended at any time without notice. Applications received prior to any withdrawal will still be eligible for the discount.

Not available for broker originated applications or applications through our branches, mobile lenders, or contact centre.

Offer available on eligible owner-occupied OMG Home Loans with new borrowings or top-ups of at least $100,000 and an LVR of 80% or less. Discount is not available on loans for construction purposes or any other product, including OMG Home Loans with an LVR above 80%. 

Discount cannot be used in conjunction with any other home loan offer.