All-In-One
Our All-In-One account is ideal for members who wish to use the equity in their owner occupied property to access an ongoing and flexible source of credit with no minimum repayment required provided the balance stays below the limit.
- From
- 7.74%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 7.74% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Statement Retrieval Fee Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 |
| Manual External Transfer Fee Staff assisted manual transfer to another organisation. Charged per transfer. | Transaction | $2.50 |
| Legal Fee Payable at cost when legal advice or services are required over the life of the loan. | Other | Variable |
| Third Party Document Production Fee Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security. | Other | Variable |
| Title Consent Fee Payable when we are requested to consent to a change relating to your title. | Event | $150.00 |
| Loan Contract Variation Fee Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to the term of a loan or a loan account. | Variation |
Features
- Card access — Visa Debit card available
- Make purchases online or in-store using your Visa Debit card, including paywave.
- Digital banking
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Fraud protection
- Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.
- Guarantor supported
- Subject to our credit policy, the customer may be able to nominate a guarantor during the origination process.
- Real-time payments (NPP)
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Overdraft available
- Drawdown your line of credit at any time without having to reapply. No fixed repayments - make repayments only to keep your balance under the approved limit. Interest is only charged on the amount drawn. Please see our website for more information.
Eligibility
- Minimum age — 18 years
- Individuals onlyMember must be a natural person rather than another legal entity.
- Credit eligibilty criteria, terms and conditions, fees and charges apply.
- You must be or become a BCU Bank member
- Residency status — At least one applicant must be an Australian or New Zealand citizen or an Australian permanent resident. Income for non-permanent residents isn't included. Australian's living overseas are eligible only if they had prior lending with PNL.
Constraints
- Maximum limit — $5,000,000.00Maximum loan amount is $5,000,000
- Maximum LVR — 80%The maximum Loan to Value Ratio is 80%
- Minimum limit — $20,000.00Minimum loan amount is $20,000
More Information
Published by BCU Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 166 · View on CDR.gov.au