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Online variable rate†
Comparison rate*
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Get ahead with your savings
Give your savings a lift and earn bonus interest for the first four months, on balances up to $5 million.
Earn
Total variable rate for first 4 months^
Buy your first home sooner
Eligible first home buyers may be able to buy a home sooner with as little as a 5% deposit through the Australian Government 5% Deposit Scheme.
And with support from our local lending team, we can help make the home buying process easier to navigate from start to finish.
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Calculators
A range of calculators you may find useful if you're looking to buy, refinance, review your spending habits, or estimate your savings.
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How to set yourself up for success in the new financial year
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Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Eligibility criteria, terms and conditions, fees and charges apply.
†This discount is available for eligible applications received from 01/07/2026 and may be amended, withdrawn, or extended at any time without notice. Applications received prior to any withdrawal will still be eligible for the discount.
Not available for broker originated applications or applications through our branches, mobile lenders, or contact centre.
Offer available on eligible owner-occupied OMG Home Loans with new borrowings or top-ups of at least $100,000 and an LVR of 80% or less. Discount is not available on loans for construction purposes or any other product, including OMG Home Loans with an LVR above 80%.
Discount cannot be used in conjunction with any other home loan offer.
*Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
^An introductory bonus rate will apply on balances up to $5m per account for the first 4 months, in addition to the standard rate from the account opening date. Interest applies to Bonus Saver Account balance only.
At the end of the introductory period the standard interest rate at that time will apply.
A customer may hold a maximum of one Bonus Saver Account as a single account holder and one Bonus Saver Account as a joint account holder. You may apply to open a Bonus Saver Account 12 months from the date of closing any previously owned Bonus Saver Account as a single or joint account holder.