Opening hours:
Bowral and Goulburn: 9.00am – 5.00pm. (Capacity restrictions apply). Moss Vale: Temporarily Closed. Mittagong: Temporarily Closed.
We encourage you to access remote banking options. If you need assistance accessing remote banking our team can be contacted on 4860 4000.

Our ATM network is being updated week commencing 18 October 2021 please see latest news for more information.

Home Loan Interest Rates

Owner-Occupier Variable Rate

Complete Variable Home Loans Home Smart	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
Effective 11 March 2021	Principal & Interest		Interest Only
LVR 60% or less	2.69% pa	3.14% pa	3.44% pa	3.86% pa
LVR 60.01% to 80%	2.79% pa	3.23% pa	3.54% pa	3.95% pa
LVR 80.01% to 90%	3.09% pa	3.53% pa	n/a	n/a
LVR above 90%	3.29% pa	3.72% pa	n/a	n/a
Complete Variable Home Loan	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
LVR 60% or less	3.39% pa	3.64% pa	4.15% pa	4.38% pa
LVR 60.01% to 80%	3.49% pa	3.74% pa	4.24% pa	4.47% pa
LVR 80.01% to 90%	3.79% pa	4.04% pa	n/a	n/a
LVR above 90%	3.99% pa	4.23% pa	n/a	n/a
Variable Home Loans	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
Easy Access Loan	n/a	n/a	5.21% pa	5.43% pa
Easy Access Loan - Home SMART Package	n/a	n/a	4.51% pa	4.90% pa

Owner-Occupier Fixed Rate

	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
Effective 6 October 2021	Principal & Interest		Interest Only
1 year	2.39% pa	3.56% pa	3.14% pa	4.37% pa
2 years	2.59% pa	3.50% pa	3.14% pa	4.27% pa
3 years	2.79% pa	3.48% pa	3.14% pa	4.18% pa
4 years	2.99% pa	3.49% pa	3.99% pa	4.38% pa
5 years	3.19% pa	3.54% pa	3.99% pa	4.37% pa
1 year (Home SMART Package)	2.19% pa	3.18% pa	2.94% pa	3.90% pa
2 years (Home SMART Package)	2.39% pa	3.16% pa	2.94% pa	3.85% pa
3 years (Home SMART Package)	2.59% pa	3.18% pa	3.04% pa	3.84% pa
4 years (Home SMART Package)	2.79% pa	3.23% pa	3.79% pa	4.04% pa
5 years (Home SMART Package)	2.99% pa	3.31% pa	3.79% pa	4.05% pa

Investment Variable Rate

Complete Variable Home Loans Home Smart	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
Effective 11 March 2021	Principal & Interest		Interest Only
LVR 60% or less	3.04% pa	3.48% pa	3.44% pa	3.86% pa
LVR 60.01% to 80%	3.14% pa	3.58% pa	3.54% pa	3.95% pa
LVR 80.01% to 90%	3.44% pa	3.87% pa	n/a	n/a
Complete Variable Home Loan	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
LVR 60% or less	3.74% pa	3.99% pa	4.14% pa	4.37% pa
LVR 60.01% to 80%	3.84% pa	4.09% pa	4.24% pa	4.47% pa
LVR 80.01% to 90%	4.14% pa	4.38% pa	n/a	n/a
Variable Home Loans	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
Easy Access Loan - Standard Variable Rate	n/a	n/a	5.65% pa	5.87% pa
Easy Access Loan - Home SMART Package	n/a	n/a	4.95% pa	5.33% pa

Investment Fixed Rate

	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
Effective18 August 2021	Principal & Interest		Interest Only
1 year	2.84% pa	3.99% pa	3.09% pa	4.36% pa
2 years	2.84% pa	3.91% pa	3.09% pa	4.26% pa
3 years	2.84% pa	3.83% pa	3.09% pa	4.17% pa
4 years	3.09% pa	3.76% pa	3.29% pa	4.09% pa
5 years	3.19% pa	3.82% pa	3.49% pa	4.16% pa
1 year (Home SMART Package)	2.64% pa	3.53% pa	2.89% pa	3.89% pa
2 years (Home SMART Package)	2.64% pa	3.49% pa	2.89% pa	3.84% pa
3 years (Home SMART Package)	2.64% pa	3.45% pa	2.89% pa	3.79% pa
4 years (Home SMART Package)	2.89% pa	3.49% pa	3.09% pa	3.82% pa
5 years (Home SMART Package)	2.99% pa	3.52% pa	3.29% pa	3.85% pa

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Things you should know:

All lending interest rates are subject to change. Rates are for new business and may differ for existing customers. Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.

Important information about comparison rates.

The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For BDCU Alliance Bank Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.

The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).

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© BDCU Alliance Bank is a trade mark of Bendigo Bank BDCU Limited ACN 087 649 787 (BDCU) is an agent of Bendigo and Adelaide Bank Limited (Bendigo Bank) ACN 068 049 178 AFSL/Australian Credit Licence 237879 in the distribution of BDCU Alliance Bank® branded products and services. BDCU also has arrangements with other third parties as detailed in the Financial Services Guide. BDCU Alliance Bank® branded deposits and loans are deposits and loans of Bendigo Bank. This Website provides general advice only and information has been prepared without taking into account you objectives, financial situation or needs. We recommend that you seek independent advice before making any decisions based on this information. Consider the relevant Disclosure Documents, which includes terms and conditions for the various BDCU Alliance Bank ®products and services as this information is relevant when deciding whether to acquire or hold a BDCU Alliance Bank® product. By accessing and viewing this website you accept and agree to be bound by the Terms of Use of the site.