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Offset Home Loan

A variable rate home loan with the flexibility to use your savings to reduce the interest you pay.
Loan to Value Ratio (LVR) Variable rate Comparison rate
Less than or equal to 60% 6.19% p.a. 6.22% p.a.
Greater than 60% and less than or equal to 80% 6.29% p.a. 6.32% p.a.
Greater than 80% 6.39% p.a. 6.42% p.a.

Key Benefits

Redraw facility available

Redraw facility available

So you can access your funds when you need to

100% offset

100% offset

Your offset account will help reduce the interest you pay on your loan

Flexible repayment options

Flexible repayment options

Repay your loan monthly, fortnightly or weekly

Easy pre-approval valid for three months

Easy pre-approval valid for three months

Don't miss out, get pre-approved

Loan details

Maximum term 30 years
Minimum loan $20,000
Redraw available
Maximum Loan to Value Ratio (subject to credit policy) 95%
100% offset account
Principal and Interest
Interest only available at different interest rates

Loan Repayments

Important information

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.

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