As of 18 September 2026, the BCU Offset Home Loan LVR <60's variable owner-occupier P&I variant has a comparison rate of 6.17% (6.14% advertised), ranking 17th of 107 variable owner-occupier P&I loans and sitting 0.59 points below the market average of 6.76%.
6.17%comparison rate p.a.
6.14% advertised · Variable · P&I · Owner-occupier · ≤60% LVR
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · ≤60% LVR- Offset Home Loan LVR <60 · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.17% comparison · 6.14% advertised
Fees
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
- Redraw fee
- None
Features
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
About this product
BCU Bank's Offset Home Loan is a variable rate loan with the flexibility to use your savings to reduce the interest you pay.