bcu Standard Variable Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 and $2,500,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $10,000 and $2,500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $10,000 and $2,500,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan between $10,000 and $2,500,000 with an LVR below 95%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $10,000 $2,500,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $10,000 $2,500,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $10,000 $2,500,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $10,000 $2,500,000

5.05% p.a.

5.10% p.a.

$0.00

bcu Standard Variable Home Loan

5.05% p.a.

5.10% p.a.

$0.00

5.11% p.a.

5.16% p.a.

$0.00

bcu Standard Variable Home Loan

5.11% p.a.

5.16% p.a.

$0.00

5.30% p.a.

5.35% p.a.

$0.00

bcu Standard Variable Home Loan

5.30% p.a.

5.35% p.a.

$0.00

5.40% p.a.

5.45% p.a.

$0.00

bcu Standard Variable Home Loan

5.40% p.a.

5.45% p.a.

$0.00

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 5.05% p.a.

  • n/a

  • 0 Months

  • none

  • 5.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $2,500,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 5.11% p.a.

  • n/a

  • 0 Months

  • none

  • 5.16% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $2,500,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 5.30% p.a.

  • n/a

  • 0 Months

  • none

  • 5.35% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $2,500,000

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 5.40% p.a.

  • n/a

  • 0 Months

  • none

  • 5.45% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $10,000

  • $2,500,000

  • none

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Customer Reviews

How are bcu home loans rated by the Mozo community?

Overall customer rating
8.9/10

Based on 13 bcu home loan reviews

Price
7.6/10
Features
8.1/10
Customer service
8.5/10
Convenience
8.9/10
Trust
9.1/10

Latest reviews of bcu Standard Variable Home Loan

  • Overall
    9/10
    Good service

    They did their job

    They did their job

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Sherilynne | NSW

    11 Apr 2016

  • Overall
    9/10
    For ease of use and customer service excellent

    Rebecca was excellent - made life very easy and manageable for 2 working people

    Rebecca was excellent - made life very easy and manageable for 2 working people

    Price
    7/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Michael | NSW

    11 Apr 2016

  • Overall
    3/10
    Hopeless and difficult to deal with

    This review is worse than the last. Really disillusioned with the BCU at present. Have been with...

    This review is worse than the last. Really disillusioned with the BCU at present. Have been with them for over 30 years. When I relocated 2 years ago they advanced me $20,000 variable rate secured mortgage for renovations to my property. I have never defaulted on a payment, my pension has gone in every two weeks, I have a credit card which has never been behind. I recently applied for a $6000 top up for more work on my house. I was declined - age discrimination - said they did not want to "saddle me with more debt" because I am 71 years old. Am really really angry and insulted and am in the process at the moment of trying to change everything over to another provider closer to where I live. I have recently acquired some casual work - one day a week - so have resubmitted my application to BCU just to see what they come back with but do not expect any joy. Totally disillusioned.

    Price
    7/10
    Features
    1/10
    Customer service
    5/10
    Convenience
    3/10
    Trust
    1/10

    Edith | NSW

    10 Feb 2016

  • Overall
    9/10
    Very good

    Kerrie was awesome in helping us get what we needed and very flexible when we changed our goals.

    Kerrie was awesome in helping us get what we needed and very flexible when we changed our goals.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    9/10

    Samantha | NSW

    05 Jan 2016

  • Overall
    10/10
    Great service as always.

    I would have changed my home loan to you if not for the governments unfair and outdated policies...

    I would have changed my home loan to you if not for the governments unfair and outdated policies placed on us.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    Jan | NSW

    05 Jan 2016

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 23 branches from Port Macquarie to Beaudesert, a call centre located in northern NSW and Telephone and Internet banking facilities. Profits are returned back to members through loyalty rebates, affordable loans, sponsorships and educational programs. Regardless of where you live in Australia, 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

*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.