Your selected home loans
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.
Secure a low rate and enjoy the certainty of repayments, with the BCU Fixed Rate Home Loan. Save with no ongoing annual fees. Pay up to $25,000 extra during a fixed period (T&Cs apply). Lock in for up to 5 years.
BCU Bank’s OMG owner occupied home loan offers a variety of great low rates depending on your deposit. Save with no ongoing annual fees. Access your extra payments when you need to through the redraw facility. Pre-approval valid for 3 months.
Your selected home loans
We weren't notified effectively when our fixe interest rate period was ending. A letter in the mail, which wasn't delivered, and no follow up email, phone call, text etc. Meanwhile we have recieved many emails from BCU about other issues, and they did not hesitate to text us when we were suddenly "in arrears" because our rate had changed. Consistency in communication is important - we had no reason to think that the single most important piece of information we need in the two year period would suddenly be communicated by a completely different method. Pretty shit. Took far too long to get our home loan switched over once we made the application. Honestly, as the paperwork finally became available just a few days after our home loan repayment, my suspicion is that BCU held off so that they could get a higher repayment out of us first before we changed interest rates. Once we were able to get the paperwork back to them, it took more than two weeks to finalise the change. Pretty unhappy about that.
BCU has been great. I've dealt with David and Bec and they have both been extremely helpful. Very flexible making time to speak with me and everything has been hassle free and easy to understand.
Every single interaction I've had with BCU has been fantastic. Nothing has ever been too much trouble, staff are easy to deal with and have always been super helpful. Recently I made contact to ask if I could switch to a better rate and they had sorted it out for me within days. What's even better is the simple communication style. My lender was able to text me updates and let me know when my paperwork was available in secure mail for signing. So happy with this bank.
We received friendly, personal service from our mobile home lender with clear and consistent communication. A year in and we’re emost of the other banks and credit unions which we are very happy with and we’ve experienced new product features and technology being introduced, to our advantage, which has been great. Overall great products so far and an easy-to-use banking app.
My experience with BCU Bank has been excellent from start to finish! As a first home owner it was excellent that they could explain the process and support us. The rates have been great and the communication has been helpful. Additionally to this the app is easy to use - love the new look and accessibility.
* 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.
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