Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 95% | $20,000 | $2,500,000 |
|
|
Owner Occupier | Interest Only | < 90% | $20,000 | $2,500,000 |
|
|
Investor | Principal & Interest | < 90% | $20,000 | $2,500,000 |
|
|
Investor | Interest Only | < 90% | $20,000 | $2,500,000 |
Featuring competitive fixed interest rates for both owner occupiers and investors, plus zero upfront or ongoing fees, the Fixed Rate Home Loan from bcu is a loan that should be on the minds of borrowers looking to lock in a competitive rate without the additional costs.
The bcu Fixed Rate Home Loan offers a couple of options depending on whether you're an investor or an owner occupier, and whether you want to make principal and interest or interest only repayments on the loan.
For example, fixed rates for owner occupiers making principal and interest repayments with a loan-to-value ratio (LVR) of 95% or lower start at 6.49% (6.32% comparison rate*) for one year. Meanwhile, for investors making principal and interest repayments with an LVR below 95% rates start from 6.59% (6.46% comparison rate*) for one year.
The bcu Fixed Rate Home Loan also offers a wide range of loan amount: from as little as as $20,000 up to a generous $2,500,000.
Making sure your repayments fit in with your budget isn’t always as easy as you’d like it to be, which is why bcu allows borrowers to repay their loans on a weekly, fortnightly or monthly basis. The loan also comes with an extra repayments up to $25,000 within the fixed period for borrowers wanting to pay off their loan faster.
There are very few fees with the Fixed Rate Home Loan. While there's a $395 discharge fee, there are no upfront fees or a monthly or annual service fee to worry about.
For borrowers looking to lock in a competitive interest rate for up to five years, especially those wanting to borrow with a low deposit, the Fixed Rate Home Loan from bcu could be just the ticket.
The $395 discharge fee is an added cost that you’ll need to consider when budgeting for this loan, as is the high 6.29% revert rate which comes into effect after the fixed loan period. So once that period is over, it may be worth comparing other home loan rates to ensure that you're getting a competitive offer.
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n/a |
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|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.49% (6.34%*) |
|
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5.99% (6.26%*) |
|
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6.29% (6.32%*) |
|
|
6.49% (6.39%*) |
|
|
6.49% (6.41%*) |
|
|
n/a |
|
|
n/a |
|
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6.29% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$300.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$395.00 |
|
$20,000 |
|
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$2,500,000 |
|
|
none |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 during fixed period |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
Additional repayments allowed up to $25,000 during the fixed period. |
|
|
none |
|
|
none |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.59% (6.35%*) |
|
|
6.09% (6.28%*) |
|
|
6.39% (6.35%*) |
|
|
6.59% (6.43%*) |
|
|
6.59% (6.45%*) |
|
|
n/a |
|
|
n/a |
|
|
6.29% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$300.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$395.00 |
|
$20,000 |
|
|
$2,500,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 during fixed period |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
Additional repayments allowed up to $25,000 during the fixed period. |
|
|
none |
|
|
none |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.59% (6.48%*) |
|
|
6.39% (6.46%*) |
|
|
6.39% (6.45%*) |
|
|
6.59% (6.52%*) |
|
|
6.59% (6.53%*) |
|
|
n/a |
|
|
n/a |
|
|
6.44% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$300.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$395.00 |
|
$20,000 |
|
|
$2,500,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 during fixed period |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
Additional repayments allowed up to $25,000 during the fixed period. |
|
|
none |
|
|
none |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.69% (6.49%*) |
|
|
6.49% (6.48%*) |
|
|
6.49% (6.48%*) |
|
|
6.69% (6.56%*) |
|
|
6.69% (6.58%*) |
|
|
n/a |
|
|
n/a |
|
|
6.44% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$300.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$395.00 |
|
$20,000 |
|
|
$2,500,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 during fixed period |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
Additional repayments allowed up to $25,000 during the fixed period. |
|
|
none |
|
|
none |
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.
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.
Read full reviewMy 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.
The customer service as well as the interest rates make this credit union one of the 'must consider' options when refinancing or getting a new home loan. What they lack in features, they make up for with savings and customer service.
Read full reviewThe customer service as well as the interest rates make this credit union one of the 'must consider' options when refinancing or getting a new home loan. What they lack in features, they make up for with savings and customer service.
Easy process with great rates and service!
Read full reviewEasy process with great rates and service!
Thanks Grant for a professional stress free experience!
Read full reviewThanks Grant for a professional stress free experience!
Love BCU
Read full review
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Offset Home Loan (Package)
6.15% p.a. variable
6.40% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Offset Home Loan (Package)
6.15% p.a.
6.40% p.a.
Basic Home Loan
6.15% p.a.
6.17% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Basic Home Loan (Fixed)
6.09% p.a.
fixed 3 years
6.19% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.
