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bcu home loans

Compare home loan rates from bcu.

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On this page you can find information about bcu home loans. Skip ahead to the full table of products or read more about the lender.

Compare bcu home loans

Compare bcu home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".

Data indicated here is updated regularly
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Loan purpose
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Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
bcu Fixed Rate Home Loan - 2 Years (Owner Occupier, P&I)
2.12%
3.78%
$0
$0 p.a.
95%
A competitive low interest rate fixed for 2 years.
bcu Fixed Rate Home Loan - 1 Year (Investor, P&I)
2.98%
4.18%
$0
$0 p.a.
89%
bcu OMG! Home Loan - LVR ≤ 90% (Owner Occupier, P&I)
2.69%
2.69%
$0
$0 p.a.
90%
A low interest rate loan with limited fees and a redraw facility. Principal and interest repayments only.
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bcu lender profile

  • bcu was established in 1970 as the Nambucca Banana Growers' Federation Members Credit Union by a group of business owners on the NSW North Coast. bcu offers a full range of banking products and services and prides itself on its community focus. In 2019 bcu became a division of P&N Bank, but still operates in the NSW North Coast under the bcu brand.
  • The bcu network stretches across the NSW North Coast, from Port Macquarie to the Sunshine Coast.
  • bcu is a member-owned institution with 50,000 members and 23 branches.

How do I apply for a bcu mortgage?

If you'd like to apply for a home loan from bcu, please contact the lender directly.

Eligibility

Each bcu product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with bcu you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

  • bcu Fixed Rate Home Loan

    Check out finder's review of the bcu Fixed Rate Home Loan and find out if it's right for you.

  • bcu OMG Home Loan

    The bcu OMG Home Loan combines a competitive variable rate with your choice of repayments, a flexible redraw facility and an easy online application process.

  • bcu Fixed Rate Home Loan

    The bcu Fixed Rate Home Loan offers a competitive fixed rate for up to five years the security of consistent repayment amounts, and a Visa credit card with no annual fee.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
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. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and 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 UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.

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2 Responses

  1. Default Gravatar
    GillJanuary 17, 2014

    Shopping for a home loan.
    Have read mixed reviews about BCU and RESI
    not sure which will give the best service as well as interest rate. That being the case is it better to go with a broker and which brokers deal with Credit Unions?

    What are the pitfalls with borrowing from a credit union?

    What happens to my home loan if the Credit Union goes bankrupt or into Administration?

    Thank you,

    Gill

    • Avatarfinder Customer Care
      ShirleyJanuary 20, 2014Staff

      Hi Gill,

      Thanks for your comment.

      Using a mortgage broker can potentially save you a lot of time and money. Most mortgage brokers deal with a range of credit unions – please see this page for a comparison of mortgage brokers. You can see that Loan Market compares the highest number of lenders. Be mindful that mortgage brokers work on a commission basis.

      A mortgage broker will be able to inform you about what happens if your credit union goes bankrupt and their security – if a financial institution does collapse then the receivers/liquidators generally look to sell the assets to another party.

      Cheers,
      Shirley

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