BCU Bank Home Loan Rates
BCU Bank lifted its variable home-loan rates by 0.25 percentage points from 13 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
A verified BCU Bank product example is OMG Home Loan Owner Occupied 60% - 80% LVR P&I: 6.29% p.a. (6.29% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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 based on a loan of $150,000 over a term of 25 years.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
A verified BCU Bank product example is OMG Home Loan Owner Occupied 60% - 80% LVR P&I: 6.29% p.a. (6.29% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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 based on a loan of $150,000 over a term of 25 years.
BCU Bank is one of the Australian home-loan lenders we track daily. We currently surface 68 active products from BCU Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are BCU Bank home loan rates?
Ratesniffers compares BCU Bank home loan products by comparison rate. A verified BCU Bank product example is OMG Home Loan Owner Occupied 60% - 80% LVR P&I: 6.29% p.a. (6.29% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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 based on a loan of $150,000 over a term of 25 years. Compare BCU Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest BCU Bank home loan rate?
A verified BCU Bank product example is OMG Home Loan Owner Occupied 60% - 80% LVR P&I: 6.29% p.a. (6.29% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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 based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does BCU Bank offer?
Ratesniffers currently tracks 68 BCU Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
BCU Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.24% p.a. | 6.24% p.a. | 60% |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | 80% |
| Variable Owner-occupier P&I | 6.39% p.a. | 6.39% p.a. | 60% |
| Variable Owner-occupier P&I | 6.48% p.a. | 6.48% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.48% p.a. | n/a |
| Fixed 2-year Owner-occupier P&I | 6.49% p.a. | 6.48% p.a. | n/a |
60 of 68 tracked BCU Bank home loan products
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
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 based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
BCU Bank home loan repayment calculator
The starting interest input uses this selected BCU Bank product example: OMG Home Loan Owner Occupied 60% - 80% LVR P&I: 6.29% p.a. (6.29% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
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 based on a loan of $150,000 over a term of 25 years.
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is BCU Bank?
bcu is a customer-owned bank founded in the early 1970s by NSW north-coast business owners, famously including banana farmers, as a community alternative to the majors. Its branch network runs from Port Macquarie up the coast into south-east Queensland.
Now part of the Police & Nurses group while keeping its own brand, it remains focused on the mid-north coast communities that built it.
Who suits a BCU Bank home loan?
bcu tends to suit mid-north-coast and northern-rivers borrowers who want local branches and community-owned banking with a bigger mutual group behind it. Check where its rates sit against the national leaders in the table above.
bcu's sister brand under the same Police & Nurses Limited (P&N Group) licence, P&N Bank, serves Western Australia and is worth comparing too, since each brand still sets its own home loan pricing.
Background facts checked 21 July 2026. Rates above refresh independently.
BCU Bank fees, offset and limits at a glance
- Application or establishment fee
- $0
- Discharge fee
- $395
- Settlement fee
- $0
- Additional valuation fee
- $247.50
- Rate lock fee
- $650
- Loan portability
- Unascertainable, but: $105 to vary contract, $395 to attend settlement, valuation fee at cost, title search…
- Offset account
- 100%
- Minimum offset balance
- No minimum balance
- Lenders mortgage insurer
- QBE
- Capitalising LMI
- Capitalised LMI cannot exceed max LVR
- Maximum total lending
- $5,000,000 otherwise Credit Committee
- Extra repayments on fixed
- Up to $25,000 in extra repayments during the fixed term with no fees or penalties
- When the fixed rate is locked
- Fixed at payment of Rate lock fee and signing of interest rate agreement or rate of day at funding.
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.