Lenders › BCU Bank › Fixed IO Home Loan
BCU Bank · Home loans
Fixed IO Home Loan
BCU Bank's Fixed IO Home Loan is a home loan. The figures are the ones BCU Bank publishes under the Consumer Data Right today. The advertised rate last moved on 30 September 2026, up from 6.37% to 6.59%.
Advertised rate
6.59%
headline tier
Comparison rate
6.52%
as published
Last moved
+0.22pp
30 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (5)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, Interest only | 6.59% | 6.52% |
| Fixed 2 years, Owner occupier, Interest only | 6.59% | 6.53% |
| Fixed 3 years, Owner occupier, Interest only | 6.79% | 6.60% |
| Fixed 4 years, Owner occupier, Interest only | 6.84% | 6.64% |
| Fixed 5 years, Owner occupier, Interest only | 6.89% | 6.69% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Statement Retrieval Feereplacement: Fee applies for statements over 12 months old. | $2.50 |
| Loan Establishment Feeupfront: No fee for establishment or top-up of the home loan. | $0 |
| Fixed Home Loan Break Costson variation: May be payable if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. | see lender |
| Legal Fee: Payable at cost when legal advice or services are required over the life of the loan. | see lender |
| 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. | see lender |
| Title Consent Feewhen it happens: Payable when we are requested to consent to a change relating to your title. | $150 |
| Loan Contract Variation Feeon variation: Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to th | $250 |
| Withdrawal of Caveat Non-Settlement Feewhen it happens: Without settlement per document. | $55 |
| Caveat Withdrawal Settlement Feewhen it happens: With settlement per document. | $160 |
| Loan Account Switching Feeon variation: Charged for switching your home loan to a different product on your request. | $300 |
| Rate Lock Feeupfront: Optional fee for locking in an interest rate on fixed home loans for upto 3 months. | $650 |
| Valuation Feeupfront: First valuation is free. | $0 |
Other BCU Bank home loans
Omg Home Loan (P&I) Lvr<60 6.24%Omg Home Loan (P&I) Lvr>60-80 6.29%Offset Home Loan LVR <60 6.39%Offset Home Loan LVR >60-80 6.48%Fixed P&I Home Loan 6.49%Basic Inv Loan (P&I) LVR<70 6.54%Omg Home Loan (P&I) Lvr>80 6.54%Basic Inv Loan (P&I) LVR>70 6.64%Investment P&I Fixed Home Loan 6.64%Offset Home Loan LVR >80 6.64%Variable Home Loan Inv 6.69%Investment IO Fixed Home Loan 6.74%
Get an email the morning BCU Bank moves this rate.
Every BCU Bank rate · every home loan rate compared · other lenders · this product in the explorer.