bcu All in One Loan


The BCU All in One Variable Home Loan offers a suite of features that allows you to take control of what you pay and when.

Instead of set repayments and a pre-decided loan term, you will agree to an overall approved balance, meaning that you are able to pay what they like, when they like. You can also transfer funds in and out of their loan.

Another thing that sets the All in One Variable Home Loan apart is that it requires no maximum loan term. However, interest will still need to be regularly paid on the amount owing – and this rate is fairly high.

Who is the bcu All in One Loan good for?

The All in One Loan will suit any borrowers who are confident in managing their finances and are looking for a great deal of flexibility in terms of payments. 

Review - What RateCity says

The bcu All in One Variable Loan offers some unusual flexibility for borrowers. Anyone hoping to have freedom from regular repayments might find the loan appealing, but it’s essential to remember that interest will still be payable and that the lack of a maximum loan term might mean the loan stretches out for much longer than might be ideal.

Any borrower choosing the bcu All in One Variable Loan might do well to go in with a clear plan for how they will pay off their premium, and how long they would like it to take. The high interest rate should also be a prime consideration for prospective borrowers.

bcu All in One Loan Options

The bcu All in One Variable Loan offers a range of options for borrowers, at a number of loan sizes and deposit sizes.

  • Highly flexible.
  • Additional repayments.
  • No ongoing fees.
  • Requires careful management.
  • High variable interest rate.
  • No offset account.

Must meet minimum deposit requirement.

Must be over 18 years of age.

Must meet serviceability criteria.

About BCU

bcu began when a small group of business owners in NSW in the 1970s decided to create a credit union that would operate as an alternative to larger banks. bcu now offers financial services across Australia.

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