Thumbnail icon for bcu

bcu Maximum Discounted Rate Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 and $1,250,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $10,000 and $1,250,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $10,000 and $1,250,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $10,000 and $1,250,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $10,000 $1,250,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $10,000 $1,250,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $10,000 $1,250,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $10,000 $1,250,000

Rate
3.44% p.a.
Comparison Rate*
3.45% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.50% p.a.
Comparison Rate*
3.51% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.60% p.a.
Comparison Rate*
3.61% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.70% p.a.
Comparison Rate*
3.71% p.a.
Service fee
$0.00
Upfront fee
$0

Details

Rates and fees information correct as at 15 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.44% p.a.

  • n/a

  • n/a

  • n/a

  • 3.45% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $1,250,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • 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.

Details

Rates and fees information correct as at 15 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.50% p.a.

  • n/a

  • n/a

  • n/a

  • 3.51% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $1,250,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • 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.

Details

Rates and fees information correct as at 15 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.60% p.a.

  • n/a

  • n/a

  • n/a

  • 3.61% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $1,250,000

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • 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.

Details

Rates and fees information correct as at 15 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.70% p.a.

  • n/a

  • n/a

  • n/a

  • 3.71% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $1,250,000

  • none

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • 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.

Customer Reviews

How are bcu home loans rated by the Mozo community?

Overall customer rating
8.1/10

Based on 39 bcu home loan reviews

Price
7.6/10
Features
6.8/10
Customer service
8.3/10
Convenience
8.4/10
Trust
8.3/10
bcu

About bcu

bcu began in 1970 when a group of north coast banana growers pooled their resources, and formed a credit union. Since those humble beginnings bcu has grown to 54,000 members, and includes 21 stores from the Sunshine Coast to Port Macquarie, plus telephone and Internet banking facilities. bcu is now a division of Police & Nurses Limited after a 2019 merger. bcu has a wide range of personal finance options to simplify your banking, including credit cards, home loans, personal loans, savings and transaction accounts and term deposits.

See bcu home loans

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a. variable

2.59% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a. variable

2.59% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a. variable

2.55% p.a.

Promoted

People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.29% p.a.
fixed 3 years

3.72% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a. variable

2.59% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.78% p.a. variable

2.79% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a. variable

2.59% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a. variable

2.55% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.39% p.a. variable

2.39% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a. variable

2.86% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a.

2.59% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a.

3.34% p.a.

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

Promoted

People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.69% p.a.

2.69% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.39% p.a.

2.39% p.a.

Promoted

Yard

Yard

Variable Home Loan Winter Special

2.39% p.a.

2.42% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Mozo

Mozo

Mystery Bank Deal

2.29% p.a.
fixed 3 years

3.89% p.a.

Promoted

Homestar

Homestar

Star Essentials Fixed Home Loan

n/a

n/a

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.29% p.a.
fixed 3 years

3.72% p.a.

Promoted

Mortgage House

Mortgage House

Switch and Save Special - Fixed Home Loan

2.44% p.a.
fixed 3 years

2.60% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a.

2.59% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.39% p.a.

2.39% p.a.

$0.00

Promoted

Yard

Yard

Variable Home Loan Winter Special

2.39% p.a.

2.42% p.a.

$0.00

Promoted

People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.69% p.a.

2.69% p.a.

$0.00

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a.

3.34% p.a.

$395.00 yearly

Promoted

Suncorp

Suncorp

Back to Basics

2.78% p.a.

2.79% p.a.

$0.00

*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.