This product is available in different versions. Pick the right version for you here.
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 90%
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 89%
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 89%
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% | $10,000 | $2,500,000 |
| | Owner Occupier | Interest Only | < 90% | $10,000 | $2,500,000 |
| | Investor | Principal & Interest | < 89% | $10,000 | $2,500,000 |
| | Investor | Interest Only | < 89% | $10,000 | $2,500,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $10,000 $2,500,000
Owner Occupier (Interest Only)
LVR < 90%
Loan: $10,000 $2,500,000
Investor (Principal & Interest)
LVR < 89%
Loan: $10,000 $2,500,000
Investor (Interest Only)
LVR < 89%
Loan: $10,000 $2,500,000
4.39% p.a.
4.44% p.a.
$0.00
bcu Standard Variable Home Loan
4.39% p.a.
4.44% p.a.
$0.00
4.45% p.a.
4.50% p.a.
$0.00
bcu Standard Variable Home Loan
4.45% p.a.
4.50% p.a.
$0.00
4.55% p.a.
4.60% p.a.
$0.00
bcu Standard Variable Home Loan
4.55% p.a.
4.60% p.a.
$0.00
4.65% p.a.
4.70% p.a.
$0.00
bcu Standard Variable Home Loan
4.65% p.a.
4.70% p.a.
$0.00
4.39% p.a.
n/a
n/a
n/a
4.44% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$10,000
$2,500,000
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
none
yes - free
$1,000.00
yes
yes
none
none
none
4.45% p.a.
n/a
n/a
n/a
4.50% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$10,000
$2,500,000
none
90.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
none
yes - free
$1,000.00
yes
yes
none
none
none
4.55% p.a.
n/a
n/a
n/a
4.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$10,000
$2,500,000
none
89.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
none
yes - free
$1,000.00
yes
yes
none
none
none
4.65% p.a.
n/a
n/a
n/a
4.70% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$10,000
$2,500,000
none
89.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
none
yes - free
$1,000.00
yes
yes
none
none
none
They did their job
Read full reviewRebecca was excellent - made life very easy and manageable for 2 working people
Read full reviewRebecca was excellent - made life very easy and manageable for 2 working people
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.
Read full reviewThis 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.
Kerrie was awesome in helping us get what we needed and very flexible when we changed our goals.
Read full reviewKerrie was awesome in helping us get what we needed and very flexible when we changed our goals.
I would have changed my home loan to you if not for the governments unfair and outdated policies placed on us.
Read full reviewI would have changed my home loan to you if not for the governments unfair and outdated policies placed on us.
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.
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