Fixed P&I Home Loan
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.
- From (owner occupied)
- 6.27%
- 6.26% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.27% | 6.26% | — |
| Fixed · 2 years Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.27% | 6.27% | — |
| Fixed · 3 years Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.69% | 6.39% | — |
| Fixed · 4 years Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.74% | 6.44% | — |
| Fixed · 5 years Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.79% |
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 |
| Loan Establishment Fee No fee for establishment or top-up of the home loan. | Upfront | $0.00 |
| Fixed Home Loan Break Costs May be payable if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. Amount is calculated specifically related to the individual event. Refer to website. | Variation | Variable |
| 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 |
Features
- Digital banking
- Keep a close eye on the details that matter. Use internet banking or mobile app to view your loan balance, track your interest rate, and maturity date.
- Extra repayments
- Extra repayments up to $25,000 are allowed during the fixed period for fixed home loans without additional charges or penalties.
- 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.
- Flexible loan structuring options may be available, including the ability to request to split your loan into fixed and variable components, subject to approval and product eligibility.
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 — 95%The maximum Loan to Value Ratio is 95%
- Minimum limit — $20,000.00Minimum loan amount is $20,000
- Minimum LVR — 0.01%The minimum Loan to Value Ratio is 0.01%
More Information
Published by BCU Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 181 · View on CDR.gov.au