As of 18 September 2026, the BCU Fixed P&I Home Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.26% (6.27% advertised), ranking 7th of 49 1-year fixed owner-occupier P&I loans. The product comes in 5 variants; the others are other fixed terms.
6.26%comparison rate p.a.
6.27% advertised · 1yr Fixed · P&I · Owner-occupier
4 other variants: other fixed terms below.
Rate over time
Comparison rate · 1yr Fixed · P&I · Owner-occupier- Fixed P&I Home Loan · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · P&I · Owner-occupier
- 6.26% comparison · 6.27% advertised
- 2yr Fixed · P&I · Owner-occupier
- 6.27% comparison · 6.27% advertised
- 3yr Fixed · P&I · Owner-occupier
- 6.39% comparison · 6.69% advertised
- 4yr Fixed · P&I · Owner-occupier
- 6.44% comparison · 6.74% advertised
- 5yr Fixed · P&I · Owner-occupier
- 6.50% comparison · 6.79% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
About this product
BCU Bank's Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate for up to five years, while still allowing extra repayments up to $25,000 during the fixed period.