Offset Home Loan LVR >80

BCU Bank's Offset Home Loan is a variable rate loan with the flexibility to use your savings to reduce the interest you pay.

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.	6.39%	6.42%	—

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
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
Construction Progress Payment Fee Charged per drawdown payment that is made on your construction loan.	Upfront	$50.00
Title Consent Fee Payable when we are requested to consent to a change relating to your title.	Event	$150.00

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 are allowed on variable home loans without additional charges.
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.
Offset account: Mortgage Offset Savings account is available for this loan. Offset account must be held in the name of one or more (or all) of the home loan borrowers. Up to 3 offset accounts may be linked to a home loan account at any 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.

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.

Published by BCU Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 254 · View on CDR.gov.au