bcu home loan reviews

bcu
bcu's overall rating for home loans

(as rated by the Mozo community)

8.0 / 10

based on 37 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from bcu

Recent bcu home loan reviews

bcu

bcu Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Great rates!

Easy process with great rates and service!

Full review

Easy process with great rates and service!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tracy, Queensland, reviewed 7 months ago

bcu

bcu All in One Line of Credit (Owner Occupier) home loan review

Overall rating   9 / 10

Still smiling.

All we want smoothly and easily. Staff listened to my needs and suggested a great product that will assist me now and into the future.

Full review

All we want smoothly and easily. Staff listened to my needs and suggested a great product that will assist me now and into the future.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Jenny, New South Wales, reviewed almost 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Good service

They did their job

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 about 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

For ease of use and customer service excellent

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

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 about 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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...

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 about 3 years ago

bcu

bcu Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Leaves the big banks for dead.

Thanks Grant for a professional stress free experience!

Full review

Thanks Grant for a professional stress free experience!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Corrine, New South Wales, reviewed over 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Very good

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

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 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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.

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

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Jan, New South Wales, reviewed over 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Great experience

Kerrie looked after us through the whole process and made our homeLoan experience very easy considering we were interstate, I would recommend bcu to anyone just because of the great service we got from Kerrie

Full review

Kerrie looked after us through the whole process and made our homeLoan experience very easy considering we were interstate, I would recommend bcu to anyone just because of the great service we got from Kerrie

    Price   9 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Shane, New South Wales, reviewed over 3 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

A good experience

Thank-you.

Full review

Thank-you.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Jess, Queensland, reviewed over 3 years ago

bcu

bcu Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

happy

Love BCU

Full review

Love BCU

    Price   7 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Jason, Victoria, reviewed almost 4 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Excellent

Every time you rang the office the manager was there to talk to you and discuss issues. Customer focus is very high.

Full review

Every time you rang the office the manager was there to talk to you and discuss issues. Customer focus is very high.

    Price   7 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jennifer, Tasmania, reviewed almost 4 years ago

bcu

bcu Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   4 / 10

Reasonable customer service

There interest rate is competitive but there are lower ones in the market place.Customer service is fairly good.

Full review

There interest rate is competitive but there are lower ones in the market place.Customer service is fairly good.

    Price   3 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   7 / 10

    Trust   4 / 10

Less

Tammy, New South Wales, reviewed about 4 years ago

bcu

bcu home loan review

Overall rating   10 / 10

Great products, friendly, convenient service.

BCU is my local Building Society. They gave me a Home Loan when the Teachers Credit Union in Qld, with whom I had been an original member for 35 years and serviced several loans with, would not. I moved all my accounts to the BCU and have not had...

Full review

BCU is my local Building Society. They gave me a Home Loan when the Teachers Credit Union in Qld, with whom I had been an original member for 35 years and serviced several loans with, would not. I moved all my accounts to the BCU and have not had a problem for the five years, I have been a happy customer. Staff are friendly, courteous and helpful, more like friends to us. Online banking easy, convenient and trouble free. BCU is great!!

    Price   7 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Frank, New South Wales, reviewed about 4 years ago

bcu

bcu OMG Home Loan (Owner Occupier, Principal & Interest, LVR<80%) home loan review

Overall rating   6 / 10

good

test

    Price   8 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Name not supplied, New South Wales, reviewed about 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 243 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 522 home loans in the Mozo comparison engine.

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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.

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