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Our Owner-Occupied Home Loans

Owner-Occupied Home Loans

We pride ourselves on providing long-term value to our Members, with competitive home loan rates, great product features and local service.

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bcu star icon For a limited time only, take out a new bcu home loan for a new purchase or refinance from another financial institution and we’ll give you 0.75% of the value of the loan back in cash up to $5,000. Find out more.

Fixed Rate Home Loan

Secure a low rate and enjoy the certainty of repayments, with our owner occupied Fixed-Rate home loan.

3.49% p.a.
2 year fixed rate
3.96% p.a.
Comparison rate

Variable Rate Home Loan

Our variable rate home loan delivers great value, and will suit most home-buyers' eligibility criteria.

3.36% p.a.
Variable rate
3.36% p.a.
Comparison rate

Line of Credit Loan

If you have equity in your home, you could consider a line of credit home loan and use the money to fund home renovations, a holiday or a new car.

3.49% p.a.
Variable rate

Find out what your property is worth from the comfort of your home

Looking to buy a new home before you've sold your existing one?

Important information


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

Credit products issued by Police & Nurses Limited (bcu) 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.