Variable interest rates starting from 5.99% (6.01%)*
Compare bcu home loan products, fees and featuresBCU was formed in the early 1970s by business owners, mainly from the NSW North Coast working as farmers which makes them a bank focused on setting realistic banking goals and working with customers on a local level. Focusing on community banking from port macquarie to the sunshine coast. They care about their customers, valuing them and appreciating their time, they can help you succeed with achieving any financial goal, as well as offering the best services and tools.
Our Essential Services Home Loan Offer recognises the important work you do, whether it's protecting, educating, or rehabilitating the community.
Take the edge off refinancing and receive $1,500 when you choose a BCU Bank home loan. It's as simple as that!
Your time is valuable. Get the $1,500 payment in your BCU transaction account by the end of the following month after your loan is funded.
To be eligible for the $1,500 rebate, you must meet the following criteria:
| Home Loan Product | Basic Home Loan | Bridging | Equity Product | Offset Home Loan | OMG Home Loan | Variable Home Loan |
|---|---|---|---|---|---|---|
| Lowest Variable Rate (Comparison Rate) | 6.29% (6.31%)* | 9.76% (9.79%)* | 7.74% (7.76%)* | 6.14% (6.16%)* | 5.99% (6.01%)* | 6.44% (6.46%)* |
| Max LVR | 70% | 80% | 80% | 60% | 60% | 90% |
| Min Loan Amount | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 |
Product Fees | ||||||
| Application | - | - | - | - | - | - |
| Settlement | $300 | $300 | $300 | $300 | $300 | $300 |
| Discharge | $395 | $395 | $395 | $395 | $395 | $395 |
| Ongoing Fee |
- - |
- - |
- - |
- - |
- - |
- - |
Are you trying to compare bcu's interest rates, discharge fees, settlement fees or applicant fees?
We have over 20 years of experience working with different Australian Home Loan providers, including bcu. Speak with Get a Better Rate and have an experienced Mortgage Broker help navigate your next home loan. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Australia Home Loan providers, reach out for a chat today!
Let's TalkProduct Features | ||||||
|---|---|---|---|---|---|---|
| Home Loan Product | Basic Home Loan | Bridging | Equity Product | Offset Home Loan | OMG Home Loan | Variable Home Loan |
| Repayment | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly |
| Offset | ||||||
| Redraw | ||||||
| EFTPOS | ||||||
| Debit Card | ||||||
| BPay | ||||||
| Internet Banking | ||||||
| Bridging | ||||||
| Construction |
Before you start the process, it's important to understand your goals and strategy. Whether you are refinancing to a lower interest rate, purchasing a new home or looking to renovate.
Use our home loan repayment calculator and compare repayments against what your budget.
Have your income statements
Prepare your expense budget
Know your monthly liabilities and credit card limits
Australian ID documents
The fixed rate graph is a representation of bcu's historical fixed rates. It has been designed to provide you with context, in relations to rate cycles and where the current fixed rate sits within this cycle.
We have prepared a guide to help you better understand the potential benefits and limitations of fixing your home loan.
bcu's current fixed rates are displayed above each graph. The graph contains historical rates which are not avalaible and are shown as a guide only. It is always recommended that you speak with your lender or mortgage broker, before fixing your home loan. It is important you understand the risks, such as potential breakfees or feature limitations such as redraw that may relate to your circumstance.
No matter what aspect of home loans you want to address with us, we have plenty of additional resources and tools to help you. Whether you want to compare home loans with the bcu, calculate your loan repayments, or figure out how much you will save when you refinance your existing loan, Get a Better Rate has you covered.
