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Expert review

Adam Smith

Review by


Adam Smith was the home loans editor at Finder.

Expert review

The bcu fixed rate home loan combines a high maximum loan-to-value ratio with a low fixed rate and no annual fees.

About this loan

What are the feature and benefits of the bcu fixed rate home loan?

  • Loan amount. The bcu fixed rate home loan has a low minimum borrowing amount of $20,000 and a high maximum borrowing amount of $2,500,000, providing plenty of flexibility.
  • High maximum LVR. This loan offers a high maximum loan-to-value ratio of 95%. Borrowing more than 80% will incur a lenders mortgage insurance (LMI) premium.
  • Free rate lock. You can lock in your fixed rate at the time of application for up to 60 days, protecting you from any rate rises between application and settlement. There's no fee for this feature, but for a $100 fee you can lock in your rate for up to 90 days.
  • No annual fee. The bcu fixed rate home loan carries no annual fee and no settlement fee.

What fees and charges come with this loan?

  • Application fee: $350. This fee covers the cost of processing your home loan application.
  • Discharge fee: $0. This fee is charged when you close your home loan account.
  • Rate lock fee. You can lock in your rate for free for up to 60 days. For $100, you can lock in your rate for up to 90 days.

How to apply

If you've compared your options and the bcu fixed rate home loan suits your borrowing needs, click the link below. You'll be taken to bcu's website where you'll be walked through the application process.

Home Loan Offers

Important Information*
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Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up to $4,000 cashback and borrow up to 80% of the property's value (terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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