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.
Tracked products
68
Variable product example
6.29%
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.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Variable example comparison
6.29%
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.
Last updated
1 November 2026
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 1 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.
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.
*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.
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.
BCU Bank home loans: frequently asked questions
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 at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
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.
What is the monthly repayment on a $600,000 BCU Bank home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,710 a month before fees. The selected source 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. Variable rates can change; this calculation does not establish 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 BCU Bank home loan?
There is no single salary requirement for a BCU Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish BCU Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does BCU Bank's home loan rate compare to the market?
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. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
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 1 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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?
Compare BCU Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are BCU Bank's home loan rates updated?
Ratesniffers refreshes BCU Bank's home loan rates daily; this page was last updated 1 November 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.
