Owner-occupied home loans
Whether you’re starting out, changing things up, or switching banks, we have a range of owner-occupier home loans with loads of options to work for you.
First home buyer? We can help. Looking to make extra repayments to pay off your loan sooner? Say no more! Want an offset account? We can offer that too. No matter where you are on your home buying journey, BCU is by your side.
Choose from our owner-occupier home loans
OMG Home Loan
A simple home loan with no ongoing fees and a low variable interest rate.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 95% LVR (including LMI)
Offset Home Loan
A variable home loan with the flexibility to use your savings to reduce the interest you pay.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 95% LVR (including LMI)
Fixed Rate Home Loan
Enjoy the certainty of repayments with home loans fixed from one to five years.
2 years fixed from
Fixed rate
Comparison rate*
- No ongoing monthly fees
-
Extra payments allowed
- Redraw available
- 100% offset available
- Up to 95% LVR (including LMI)
Looking for a more specific home loan?
Bridging Loan
A short-term loan to bridge the gap between buying your next home and selling your existing one.
Variable rate
Comparison rate*
Line of Credit Loan
Use the equity in your home to fund things like home renovations, a holiday or a new car.
Variable rate
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
How much will your repayments be?
Crunch the numbers and find out what your repayments on your home loan might be. Or, check out our other calculators to save yourself from doing extra math!
Home loan repayment calculator
More calculators
Handy home loan articles
Which home loan type is right for you
If you find yourself confused about the different types of home loan rates, look no further! We've outlined the differences to make your life easier.
Should you consider refinancing your home loan?
If you're thinking about refinancing your mortgage, now could be a good time to do it. Find out about what to consider when it comes to refinancing.
How to prepare for your fixed home loan rate ending
If your fixed rate home loan expires in less than 12 months, it’s a good idea to start thinking about what could happen when your fixed rate ends.
Because we're here to help
We'll call you
Drop us your details and one of our home loan specialists will be in touch.
Ready to apply?
Book an appointment over the phone, via video call, or in-person with a home lender.
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
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. Credit eligibility criteria, terms and conditions, fees and charges apply.
Please consider the terms and conditions and whether a product is right for you.
- View terms and conditions
- View fees and charges
- View Credit Guide
- Create a Home Loan Key Fact Sheet
- View LMI Information Fact Sheet
- View Target Market Determinations (TMDs)
*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.