bcu - Home loans

Our award-winning loans offer you competitive rates, flexible features and quick approvals. We will work with you to find the best loan that suits your needs, whether you’re a home buyer, investor or wanting to refinance.

Money Magazine Investment
Lender of the Year

Mozo Home Loan
Credit Union of the Year
+6 other categories

OMG Home Loan

Our OMG Home Loan offers you our lowest variable home loan rate available. To be eligible, just deposit your salary or income into a bcu Access Account and enjoy great benefits for an annual fee of $198.

3.84% p.a. Variable rate

4.09% p.a. Comparison rate

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3 Year Fixed Rate Special

Lock in a winning rate with our dazzling home loan and credit card package.

3.90% p.a.
Fixed rate

4.36% p.a.
Comparison rate

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First Home Buyers

Now’s the perfect time to buy that first home you've been dreaming about.

3.79% p.a.
Fixed rate

4.33% p.a.
Comparison rate

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Residential Investment

Expand your real estate portfolio with a feature-rich residential investment home loan.

4.60% p.a.
Variable rate

5.43% p.a.
Comparison rate

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Our Home Loans

Features & eligibility

	OMG	3 Year Fixed Rate Special	First Home Buyers	Residential Investment
Maximum term	30 years	40 years	40 years	40 years
Minimum loan	$100,000	$20,000	$20,000	$10,000
Maximum loan	$1,000,000	$2,500,000	$2,500,000	$2,500,000
Redraw available
Maximum LVR	80%	95%	95%	89%
Offset facility
Principal and Interest
Interest only