BCU Bank · Variable · Updated November 2026

BCU Bank Variable Home Loans, November 2026

BCU Bank lists 21 variable home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 6.24% p.a.), on OMG Home Loan Owner Occupied <=60% LVR P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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BCU Bank variable home loan rates, November 2026

BCU BankOMG Home Loan Owner Occupied <=60% LVR P&I

VariableRedraw

Interest

6.24%p.a.

Comparison*

6.24%p.a.

Est. repayment

$3,075

LVR ≤60%

Enquire

BCU BankOMG Home Loan (P&I) LVR<60

VariableRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

BCU BankOffset Home Loan LVR <60

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

BCU BankOffset Home Loan LVR >60-80

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

BCU BankOffset Home Loan LVR >80

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

BCU BankOMG Home Loan (P&I) LVR>80

VariableRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

BCU BankOMG Home Loan (P&I) LVR>60-80

VariableRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

BCU BankOMG Home Loan Owner Occupied 60% - 80% LVR P&I

VariableRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR 60 to 80%

Enquire

BCU BankOffset Home Loan <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.39%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

BCU BankOffset Home Loan 60% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.48%p.a.

Comparison*

6.48%p.a.

Est. repayment

$3,154

LVR 60 to 80%

Enquire

BCU BankBasic Home Loan Investment <70% LVR P&I

VariableRedraw

Interest

6.54%p.a.

Comparison*

6.54%p.a.

Est. repayment

$3,174

LVR ≤70%

Enquire

BCU BankOMG Home Loan Owner Occupied 80% - 95% LVR P&I

VariableRedraw

Interest

6.54%p.a.

Comparison*

6.54%p.a.

Est. repayment

$3,174

LVR 80 to 95%

Enquire

BCU BankVariable Home Loan Inv

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,207

LVR not stated

Enquire

BCU BankBasic Inv Loan (P&I) LVR>70

VariableRedraw

Interest

6.64%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,207

LVR not stated

Enquire

BCU BankOffset Home Loan 80% - 95% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,207

LVR 80 to 95%

Enquire

BCU BankBasic Home Loan Investment 70% - 90% LVR P&I

VariableRedraw

Interest

6.64%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,207

LVR 70 to 90%

Enquire

BCU BankVariable Home Loan Investment P&I

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

6.69%p.a.

Est. repayment

$3,223

LVR ≤90%

Enquire

BCU BankVariable Home Loan Inv (IO)

VariableOffsetRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR not stated

Based on a $500,000 balance

Enquire

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.

BCU BankBasic Investment Loan (IO)

VariableRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR not stated

Based on a $500,000 balance

Enquire

BCU BankBasic Home Loan Investment <90% LVR IO

VariableRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤90%

Based on a $500,000 balance

Enquire

BCU BankVariable Home Loan Investment IO

VariableOffsetRedraw

Interest

7.87%p.a.

Comparison*

Not available

Est. interest only / month

$3,279

LVR ≤90%

Based on a $500,000 balance

Enquire

*Important Information and Comparison Rate Warning

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 · Variable

BCU Bank variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.