OMG Home Loan (P&I) LVR<60
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
BCU Bank Home Loan Rates
Active products
34
Lowest variable
5.99%
Lowest fixed
6.27%
Lowest comparison
6.03%
Last updated
28 July 2026
BCU Bank is one of the Australian home-loan lenders we track daily. We currently surface 34 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 is the lowest BCU Bank home loan rate?
The lowest BCU Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.27% p.a. These figures come from the 32 BCU Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does BCU Bank offer?
Ratesniffers currently tracks 32 BCU Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.27% p.a. | 6.31% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.27% p.a. | 6.31% p.a. | 100% |
| Variable Investor P&I | 6.29% p.a. | 6.33% p.a. | 100% |
| Variable Investor P&I | 6.29% p.a. | 6.33% p.a. | 100% |
| Fixed 1-year Owner-occupier interest-only | 6.37% p.a. | 6.41% p.a. | 100% |
| Fixed 2-year Owner-occupier interest-only | 6.37% p.a. | 6.41% p.a. | 100% |
32 BCU Bank home loan products
Offset Home Loan LVR <60
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Offset Home Loan LVR >60-80
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Offset Home Loan LVR >80
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OMG Home Loan (P&I) LVR>80
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OMG Home Loan (P&I) LVR>60-80
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Fixed P&I Home Loan
Owner-occupier1y FixedP&IExtra repayments
Interest
6.27%p.a.
Comparison*
6.31%p.a.
Monthly repayment
$3,085
LVR —
Fixed P&I Home Loan
Owner-occupier2y FixedP&IExtra repayments
Interest
6.27%p.a.
Comparison*
6.31%p.a.
Monthly repayment
$3,085
LVR —
Variable Home Loan Inv
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR —
Basic Inv Loan (P&I) LVR>70
InvestorVariableP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR —
Fixed IO Home Loan
Owner-occupier1y FixedInterest onlyExtra repayments
Interest
6.37%p.a.
Comparison*
6.41%p.a.
Monthly repayment
$3,118
LVR —
Fixed IO Home Loan
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.37%p.a.
Comparison*
6.41%p.a.
Monthly repayment
$3,118
LVR —
Investment P&I Fixed Home Loan
Investor2y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Investment P&I Fixed Home Loan
Investor1y FixedP&IExtra repayments
Interest
6.42%p.a.
Comparison*
6.46%p.a.
Monthly repayment
$3,134
LVR —
Investment IO Fixed Home Loan
Investor2y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Investment IO Fixed Home Loan
Investor1y FixedInterest onlyExtra repayments
Interest
6.52%p.a.
Comparison*
6.56%p.a.
Monthly repayment
$3,167
LVR —
Basic Investment Loan (IO)
InvestorDiscountInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Verify, 70d old
Comparison*
—
Monthly repayment
$3,223
LVR —
Fixed P&I Home Loan
Owner-occupier3y FixedP&IExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Variable Home Loan Inv (IO)
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Basic Investment Loan (IO)
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Fixed P&I Home Loan
Owner-occupier4y FixedP&IExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Investment P&I Fixed Home Loan
Investor3y FixedP&IExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Fixed P&I Home Loan
Owner-occupier5y FixedP&IExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Fixed IO Home Loan
Owner-occupier3y FixedInterest onlyExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Fixed IO Home Loan
Owner-occupier4y FixedInterest onlyExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Investment IO Fixed Home Loan
Investor3y FixedInterest onlyExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR —
Fixed IO Home Loan
Owner-occupier5y FixedInterest onlyExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR —
Investment P&I Fixed Home Loan
Investor4y FixedP&IExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR —
Investment P&I Fixed Home Loan
Investor5y FixedP&IExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR —
Investment IO Fixed Home Loan
Investor4y FixedInterest onlyExtra repayments
Interest
7.09%p.a.
Comparison*
7.13%p.a.
Monthly repayment
$3,357
LVR —
Investment IO Fixed Home Loan
Investor5y FixedInterest onlyExtra repayments
Interest
7.09%p.a.
Comparison*
7.13%p.a.
Monthly repayment
$3,357
LVR —
Variable Home Loan Inv (IO)
InvestorDiscountInterest onlyOffsetRedrawExtra repayments
Interest
7.62%p.a.
Verify, 70d old
Comparison*
—
Monthly repayment
$3,537
LVR —
Negotiate BCU Bank rates with a broker
Advertised rates aren't always the rate BCU Bank actually approves. Our broker negotiates against your specific scenario, no fee.
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.
Background facts checked 21 July 2026. Rates above refresh independently.
BCU Bank home loans: frequently asked questions
What is the lowest BCU Bank home loan rate?
BCU Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.27% p.a., based on the 32 BCU Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate BCU Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does BCU Bank's home loan rate compare to the market?
BCU Bank's lowest variable home loan rate today is 5.99% p.a., which is 10 basis points below the market median of 6.09% p.a., which puts BCU Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where BCU Bank sits right now rather than a fixed snapshot.
How many home loan products does BCU Bank offer?
Ratesniffers currently tracks 34 BCU Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 32 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is BCU Bank competitive for refinancing?
It depends on your loan size and LVR. BCU Bank's lowest comparison rate is currently 6.03% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing BCU Bank against the sharpest available rate usually pays off.
How often are BCU Bank's home loan rates updated?
Ratesniffers refreshes BCU Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever BCU Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
BCU Bank rates by borrower and loan type
The same BCU Bank panel, filtered to the scenario you're actually shopping for.
- BCU Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- BCU Bank investor ratesInvestment lending, interest-only where offered.
- BCU Bank refinance ratesRefinance-eligible products versus your current rate.
- BCU Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- BCU Bank fixed rates1 to 5-year terms where available.
- BCU Bank variable ratesFlexible repayments, offset-compatible products.
- BCU Bank interest-only ratesIO terms, mostly investor products.
- BCU Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.