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Fixed Rate Home Loan

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

Enquire now online, and one of our local home loan specialists will contact you to discuss your specific needs.

3.49% p.a.

2 year fixed rate

3.96% p.a.

Comparison rate

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.

Key benefits

Low fixed interest rate

Low fixed interest rate

Giving you peace of mind

No annual fee

No annual fee

Save with no ongoing annual fees

Lock in your rate

Lock in your rate

Know what your repayments will be

Flexible loan term options

Flexible fixed term options

Lock in a fixed rate for up to five years

Find out what your property is worth with a free online property report

All Owner Occupied Principal & Interest Fixed Rates

ProductsInterest RateComparison Rate
Fixed Rate: 1 year2.99%3.96%
Fixed Rate: 2 year3.49%3.96%
Fixed Rate: 3 years3.89%4.02%
Fixed Rate: 4 years4.19%4.10%
Fixed Rate: 5 years4.39%4.20%

Fixed rate loans will revert to the applicable variable rate at the end of the fixed rate period. View all loan interest rates.

Loan details

Maximum term30 years
Minimum loan$20,000
Maximum loan$2,500,000
Redraw available
Maximum borrowing amount up to the property value (with LMI)95%
Maximum borrowing amount up to the property value (without LMI)80%
Principal and interest
Interest only available at different interest rates
Interest rate3.49% p.a.,
Comparison rate3.96% p.a.
Establishment fee$0.00
Annual fee$0.00

Loan Repayments


Important information


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.

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