Home loan · Variable
Basic Loan
6.67%comparison rate p.a. · 6.64% advertised
Variable · P&I · Investor · 70.01–95% LVR
38th of 83 variable investor P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Investor · ≤70% LVR
- 6.57% comparison · 6.54% advertised
- Variable · P&I · Investor · 70.01–95% LVR
- 6.67% comparison · 6.64% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 6.75% comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
- Basic Loan · Variable · P&I · Investor
- RBA cash rate
- Basic Inv Loan (P&I) LVR>70variable investor P&I 6.42 → 6.6714 days after the RBA rise to 4.60%+0.25
- Basic Inv Loan (P&I) LVR<70variable investor P&I 6.32 → 6.5714 days after the RBA rise to 4.60%+0.25
- Basic Investment Loan (IO)variable investor interest-only 6.50 → 6.7514 days after the RBA rise to 4.60%+0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
BCU Bank's Basic Investment home loan is a variable home loan suitable for investors, with a low variable rate, no monthly fee and no application fees.
Also from BCU: OMG Home Loan 6.32% · Offset Home Loan 6.51% · Fixed Home Loan 6.51% · Variable Home Loan 6.72%
As of 15 October 2026, the BCU Basic Loan's variable investor P&I variant has a comparison rate of 6.57% (6.54% advertised), ranking 27th of 83 variable investor P&I loans. The product comes in 3 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.