BDCU Alliance Bank home loan repayment calculator

Thinking about taking out a home loan with BDCU Alliance Bank? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how BDCU Alliance Bank home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 1.99 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

BDCU Alliance Bank home loans rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
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Company

1.99%

Fixed - 4 years

$0

3.60%

$395 annually
BDCU Alliance Bank
More details

2.79%

Fixed - 5 years

$0

3.79%

$395 annually
BDCU Alliance Bank
More details

2.29%

Fixed - 3 years

$0

3.81%

$395 annually
BDCU Alliance Bank
More details

2.29%

Fixed - 2 years

$0

3.92%

$395 annually
BDCU Alliance Bank
More details

2.99%

Fixed - 5 years

$650

4.03%

$8 monthly
BDCU Alliance Bank
More details

2.29%

Fixed - 1 year

$0

4.05%

$395 annually
BDCU Alliance Bank
More details

2.49%

Fixed - 3 years

$650

4.11%

$8 monthly
BDCU Alliance Bank
More details

2.99%

Fixed - 5 years

$0

4.12%

$395 annually
BDCU Alliance Bank
More details

2.79%

Fixed - 4 years

$0

4.14%

$395 annually
BDCU Alliance Bank
More details

3.76%

Variable

$0

4.18%

$395 annually
BDCU Alliance Bank
More details

2.64%

Fixed - 3 years

$0

4.21%

$395 annually
BDCU Alliance Bank
More details

2.49%

Fixed - 2 years

$650

4.27%

$8 monthly
BDCU Alliance Bank
More details

2.19%

Fixed - 4 years

$650

4.30%

$8 monthly
BDCU Alliance Bank
More details

2.64%

Fixed - 2 years

$0

4.33%

$395 annually
BDCU Alliance Bank
More details

3.19%

Fixed - 5 years

$650

4.36%

$8 monthly
BDCU Alliance Bank
More details

2.99%

Fixed - 4 years

$650

4.41%

$8 monthly
BDCU Alliance Bank
More details

2.49%

Fixed - 1 year

$650

4.44%

$8 monthly
BDCU Alliance Bank
More details

2.64%

Fixed - 1 year

$0

4.46%

$395 annually
BDCU Alliance Bank
More details

2.84%

Fixed - 3 years

$650

4.52%

$8 monthly
BDCU Alliance Bank
More details

4.20%

Variable

$0

4.61%

$395 annually
BDCU Alliance Bank
More details

3.14%

Fixed - 3 years

$650

4.63%

$8 monthly
BDCU Alliance Bank
More details

4.46%

Variable

$650

4.63%

$8 one off
BDCU Alliance Bank
More details

4.26%

Variable

$0

4.66%

$395 annually
BDCU Alliance Bank
More details

2.84%

Fixed - 2 years

$650

4.69%

$8 monthly
BDCU Alliance Bank
More details

3.99%

Fixed - 5 years

$650

4.71%

$8 monthly
BDCU Alliance Bank
More details

3.49%

Fixed - 5 years

$650

4.76%

$8 monthly
BDCU Alliance Bank
More details

3.14%

Fixed - 2 years

$650

4.78%

$8 monthly
BDCU Alliance Bank
More details

3.99%

Fixed - 4 years

$650

4.78%

$8 monthly
BDCU Alliance Bank
More details

3.19%

Fixed - 4 years

$650

4.79%

$8 monthly
BDCU Alliance Bank
More details

2.94%

Fixed - 3 years

$0

4.81%

$395 annually
BDCU Alliance Bank
More details

2.84%

Fixed - 1 year

$650

4.87%

$8 monthly
BDCU Alliance Bank
More details

3.29%

Fixed - 5 years

$0

4.91%

$395 annually
BDCU Alliance Bank
More details

3.04%

Fixed - 1 year

$0

4.93%

$395 annually
BDCU Alliance Bank
More details

3.09%

Fixed - 3 years

$650

4.93%

$8 monthly
BDCU Alliance Bank
More details

3.14%

Fixed - 1 year

$650

4.94%

$8 monthly
BDCU Alliance Bank
More details

3.79%

Fixed - 4 years

$0

4.94%

$395 annually
BDCU Alliance Bank
More details

3.79%

Fixed - 5 years

$0

4.94%

$395 annually
BDCU Alliance Bank
More details

2.99%

Fixed - 4 years

$0

4.95%

$395 annually
BDCU Alliance Bank
More details

2.94%

Fixed - 2 years

$0

4.97%

$395 annually
BDCU Alliance Bank
More details

4.90%

Variable

$650

5.06%

$8 one off
BDCU Alliance Bank
More details

4.70%

Variable

$0

5.09%

$395 annually
BDCU Alliance Bank
More details

2.89%

Fixed - 3 years

$0

5.10%

$395 annually
BDCU Alliance Bank
More details

4.96%

Variable

$650

5.11%

$8 one off
BDCU Alliance Bank
More details

3.09%

Fixed - 2 years

$650

5.12%

$8 monthly
BDCU Alliance Bank
More details

2.94%

Fixed - 1 year

$0

5.15%

$395 annually
BDCU Alliance Bank
More details

3.09%

Fixed - 1 year

$650

5.32%

$8 monthly
BDCU Alliance Bank
More details

2.89%

Fixed - 2 years

$0

5.53%

$395 annually
BDCU Alliance Bank
More details

5.40%

Variable

$650

5.55%

$8 one off
BDCU Alliance Bank
More details

Learn more about BDCU Alliance Bank

How common are low-deposit home loans?

Low-deposit home loans aren’t as common as they once were, because they’re regarded as relatively risky and the banking regulator (APRA) is trying to reduce risk from the mortgage market.

However, if you do your research, you’ll find there is still a fairly wide selection of banks, credit unions and non-bank lenders that offers low-deposit home loans.

Mortgage Calculator, Loan Purpose

This is what you will use the loan for – i.e. investment. 

Does each product always have the same rating?

No, the rating you see depends on a number of factors and can change as you tell us more about your loan profile and preferences. The reasons you may see a different rating:

  • Lenders have made changes. Our ratings show the relative competitiveness of all the products listed at a given time. As the listing change, so do the ratings.
  • You have updated you profile. If you increase your loan amount, the impact of different rates and fees will change which loans are the lowest cost for you.
  • You adjust your preferences. The more you search for flexible loan features, the more importance we assign to the Flexibility Score. You can also adjust your Flexibility Weighting yourself, which will recalculate the ratings with preference given to more flexible loans.

What is a specialist lender?

Specialist lenders, also known as non-conforming lenders, are lenders that offer mortgages to ‘non-vanilla’ borrowers who struggle to get finance at mainstream banks.

That includes people with bad credit, as well as borrowers who are self-employed, in casual employment or are new to Australia.

Specialist lenders take a much more flexible approach to assessing mortgage applications than mainstream banks.

What is a fixed home loan?

A fixed rate home loan is a loan where the interest rate is set for a certain amount of time, usually between one and 15 years. The advantage of a fixed rate is that you know exactly how much your repayments will be for the duration of the fixed term. There are some disadvantages to fixing that you need to be aware of. Some products won’t let you make extra repayments, or offer tools such as an offset account to help you reduce your interest, while others will charge a significant break fee if you decide to terminate the loan before the fixed period finishes.

Mortgage Calculator, Property Value

An estimate of how much your desired property is worth. 

Do other comparison sites offer the same service?

Real Time RatingsTM is the only online system that ranks the home loan market based on your personal borrowing preferences. Until now, home loans have been rated based on outdated data. Our system is unique because it reacts to changes as soon as we update our database.

What is appraised value?

An estimation of a property’s value before beginning the mortgage approval process. An appraiser (or valuer) is an expert who estimates the value of a property. The lender generally selects the appraiser or valuer before sanctioning the loan.

What is a redraw fee?

Redraw fees are charged by your lender when you want to take money you have already paid into your mortgage back out. Typically, banks will only allow you to take money out of your loan if you have a redraw facility attached to your loan, and the money you are taking out is part of any additional repayments you’ve made. The average redraw fee is around $19 however there are plenty of lenders who include a number of fee-free redraws a year. Tip: Negative-gearers beware – any money redrawn is often treated as new borrowing for tax purposes, so there may be limits on how you can use it if you want to maximise your tax deduction.

What is an ombudsman?

An complaints officer – previously referred to as an ombudsman -looks at formal complaints from customers about their credit providers, and helps to find a fair and independent solution to these problems.

These services are handled by the Australian Financial Complaints Authority, a non-profit government organisation that addresses and resolves financial disputes between customers and financial service providers.

What is a construction loan?

A construction loan is loan taken out for the purpose of building or substantially renovating a residential property. Under this type of loan, the funds are released in stages when certain milestones in the construction process are reached. Once the building is complete, the loan will revert to a standard principal and interest mortgage.

How can I get a home loan with no deposit?

Following the Global Financial Crisis, no-deposit loans, as they once used to be known, have largely been removed from the market. Now, if you wish to enter the market with no deposit, you will require a property of your own to secure a loan against or the assistance of a guarantor.

How often is your data updated?

We work closely with lenders to get updates as quick as possible, with updates made the same day wherever possible.

Mortgage Balance

The amount you currently owe your mortgage lender. If you are not sure, enter your best estimate.

What is the flexibility score?

Today’s home loans often try to lure borrowers with a range of flexible features, including offset accounts, redraw facilities, repayment frequency options, repayment holidays, split loan options and portability. Real Time Ratings™ weights each of these features based on popularity and gives loans a ‘flexibility score’ based on how much they cater to borrowers’ needs over time. The aim is to give a higher score to loans which give borrowers more features and options.