First Home Buyer Hub
There's a lot to think about when buying your first home, but we’re here to help. From saving the deposit and helping you understand the process, to finding the perfect property – you can trust our experienced lenders to be there with you every step of the way.
Getting started is simple
Home Guarantee Scheme
Want to find out how much you could borrow?
Saving for a house deposit
Understanding home loan rates
Set yourself up for a successful application
Compare home loans
| Interest rates from | 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 | 5.94% p.a. |
| Comparison rate* | 6.23% 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 |
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
Get in touch with one of our home lenders
We know your time is precious, that's why our home lenders can work around your schedule. Book an appointment in one of our 18 branches, over video call, or we can come to you at work or at home.
Ready to get started? Book an appointment with a home loan specialist!
Helpful calculators
Use our calculators to compare home loans, work out how much your repayments might be, and more.
Home loan repayment calculator
Work out what your repayments might be, and learn how varying factors can affect the numbers over the life of the loan.
Home loan comparison calculator
Use this calculator to find out how different loan rates, fees and terms compare to find the perfect loan for your situation.
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.
Download Credit Guide
Create a Home Loan Key Facts Sheet