Lender profile · Home loans
LiveBCU home loans
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As of 18 September 2026, BCU has 16 home loan products in 32 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.02% (OMG Home Loan (P&I) LVR<60), ranking 7th of 107 variable owner-occupier P&I loans and sitting 0.74 points below the market average of 6.76%.
- Lowest comparison rate
- 6.02%
- OMG Home Loan (P&I) LVR<60
- Market rank
- #7
- of 107 variable owner-occupier P&I loans
- Products
- 16
- 32 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- OMG Home Loan (P&I) LVR<60
- OMG Home Loan (P&I) LVR>60-80
- Offset Home Loan LVR <60
- Offset Home Loan LVR >60-80
- Fixed P&I Home Loan
- Fixed IO Home Loan
- OMG Home Loan (P&I) LVR>80
- Basic Inv Loan (P&I) LVR<70
- Offset Home Loan LVR >80
- Basic Inv Loan (P&I) LVR>70
- Investment P&I Fixed Home Loan
- Variable Home Loan Inv
- Investment IO Fixed Home Loan
- Basic Investment Loan (IO)
- Variable Home Loan Inv (IO)
- Bridging Loan
What changed
No changes recorded for BCU's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 12
Variable · P&I · Owner-occupier · ≤60% LVR · redraw · no ongoing fee
6.02%#7 of 107comparison · 5.99% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60.01–80% LVR · redraw · no ongoing fee
6.07%#10 of 107comparison · 6.04% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤60% LVR · offset account · redraw · no ongoing fee
6.17%#17 of 107comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60.01–80% LVR · offset account · redraw · no ongoing fee
6.26%#31 of 107comparison · 6.23% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80.01–95% LVR · redraw · no ongoing fee
6.32%#39 of 107comparison · 6.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤70% LVR · redraw · no ongoing fee
6.32%#6 of 81comparison · 6.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80.01–95% LVR · offset account · redraw · no ongoing fee
6.42%#51 of 107comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 70.01–95% LVR · redraw · no ongoing fee
6.42%#16 of 81comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw · no ongoing fee
6.47%#23 of 81comparison · 6.44% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
6.50%#14 of 80comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw · no ongoing fee
6.81%#37 of 80comparison · 7.62% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · no ongoing fee
9.79%#107 of 107comparison · 9.76% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 4
1yr Fixed · P&I · Owner-occupier · no ongoing fee · 5 variants
1y 6.26%2y 6.27%3y 6.39%4y 6.44%5y 6.50%6.26%#7 of 49comparison · 6.27% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · Interest Only · Owner-occupier · no ongoing fee · 5 variants
6.27%#4 of 30comparison · 6.37% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · P&I · Investor · no ongoing fee · 5 variants
6.46%#6 of 45comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · Interest Only · Investor · no ongoing fee · 5 variants
6.48%#5 of 45comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on BCU home loans
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