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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 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

  • 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

Rate
4.14% p.a.
Comparison Rate*
4.15% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.20% p.a.
Comparison Rate*
4.21% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.30% p.a.
Comparison Rate*
4.31% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.40% p.a.
Comparison Rate*
4.41% p.a.
Service fee
$0.00
Upfront fee
$0

Details

Rates and fees information correct as at 28 September 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
  • 4.14% p.a.

  • n/a

  • n/a

  • n/a

  • 4.15% 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

  • $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

  • 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 28 September 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
  • 4.20% p.a.

  • n/a

  • n/a

  • n/a

  • 4.21% 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

  • $2,500,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • 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 28 September 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
  • 4.30% p.a.

  • n/a

  • n/a

  • n/a

  • 4.31% 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

  • $2,500,000

  • none

  • 89.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • 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 28 September 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
  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • 4.41% 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

  • $2,500,000

  • none

  • 89.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • 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
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

Latest reviews of bcu Standard Variable Home Loan

  • Overall 9/10
    Good service

    They did their job

    Read full review

    They did their job

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Sherilynne, New South Wales reviewed over 4 years ago
  • Overall 9/10
    For ease of use and customer service excellent

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

    Read full review

    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
    Less
    Michael, New South Wales reviewed over 4 years ago
  • 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 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 review

    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
    Less
    Edith, New South Wales reviewed over 4 years ago
  • Overall 9/10
    Very good

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

    Read full review

    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
    Less
    Samantha, New South Wales reviewed over 4 years ago
  • 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 placed on us.

    Read full review

    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
    Less
    Jan, New South Wales reviewed over 4 years ago
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.

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*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.