BCU Bank home loans

4.1
Based on 45 BCU Bank home loan product reviews.
Fact Checked

bcu offers a local alternative to the big banks from Port Macquarie to the Sunshine Coast, with internet and phone banking services, so not matter where you are, you can keep one eye on your home loan.  

bcu is a division of Police & Nurses Limited following the successful merger between Bananacoast Community Credit Union Ltd and Police & Nurses Limited.

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can compare more home loans here.
Last updated 6 January 2026 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • OMG Home Loan

    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.24 % p.a.
    Variable
    Comparison rate
    5.27 % p.a.
    Initial monthly repayment
    $2,758
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    Interest rate
    5.29 % p.a.
    Fixed 2 years
    Comparison rate
    5.47 % p.a.
    Initial monthly repayment
    $2,773
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 10% min deposit
    Interest rate
    5.34 % p.a.
    Fixed 2 years
    Comparison rate
    5.65 % p.a.
    Initial monthly repayment
    $2,789
    No Partner link
  • Offset Home Loan

    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.39 % p.a.
    Variable
    Comparison rate
    5.42 % p.a.
    Initial monthly repayment
    $2,805
    No Partner link
  • Basic Home Loan

    • Investor
    • Principal & Interest
    • 30% min deposit
    • Redraw available
    Interest rate
    5.54 % p.a.
    Variable
    Comparison rate
    5.57 % p.a.
    Initial monthly repayment
    $2,852
    No Partner link
  • Variable Rate Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.69 % p.a.
    Variable
    Comparison rate
    5.72 % p.a.
    Initial monthly repayment
    $2,899
    No Partner link

BCU Bank products

Home loan quick links


* 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

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