why brokers choose bcu
BCU offers better choices for brokers and their clients
Broker resources
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As a leading member-owned bank, BCU was founded on the same principle that drives mortgage brokers – to provide greater choice for customers.
BCU was formed in the early 1970s by a small group of business owners, mainly Coffs Harbour banana farmers, to provide a local, community-minded alternative to the big banks.
Fast forward 50 years and we now have 21 branches across the central east coast of Australia. Our members now come from all walks of life but, no matter how much we’ve grown, our members and their communities are still at the heart of everything we do.
We’re proud to be part of the P&N Group, one of the largest customer-owned banking organisations in Australia. As a member-owned bank, we empower our members to take control of their future and achieve their financial goals – whatever that may be.
We're committed to making your life, and the lives of your clients, easier.
Our commitment to brokers
The right choice for your clients
Rates and offers
Meet your team
Broker resources
Our commitment to brokers
At BCU, our commitment to brokers is simple – we believe that nobody wins unless we both win.
Deal directly with decision makers – we've grown our team of Business Development Managers and Broker Assessors, so you can pick up the phone or at any time and speak to a real person who will manage your deal from application to approval.
Real time tracking – we'll give you clear, direct and straightforward answers about how your deal is tracking in realtime, so you can tell your client what they need to know to make the right decision for themselves.
Streamlined and simplified processes – we've improved our digital tools, reviewed our credit policies and taken the complexity out of our application processes. That means less paperwork, faster turnaround times and a better experience that’s easy, efficient and effective for brokers and customers alike.
We're in it for the long haul – we offer extremely fair and equitable commission clauses with no channel conflict. When your clients come back to BCU for additional lending, you’ll be paid an increased trail commission.
The right choice for your clients
As a mortgage broker, you always want the best outcomes for your clients – and that's where we come in.
Competitive rates and offers – BCU is consistently ranked in Australia's top quartile for pricing, with no upfront or annual fees on lending products.
Superior service – BCU has the digital tools your customers want, like integrated technology and self-service platforms, as well as real branches in convenient locations when they need that human touch. We also offer mobile banking services, so we can come to them, wherever they may be.
We grow with your clients – with a range of personal and business banking products designed to benefit our members in each stage of their lives, your clients will enjoy a better banking experience with BCU.
Rates and offers
BCU's award-winning loans provide your clients with competitive rates, flexible features and quick approvals.
Whether your client is buying their own home or looking to purchase an investment property, we'll work with you to find the best loan to suit their needs and offer them long-term value.
The home advantages we can offer include:
- 95% LVR inclusive LMI for owner-occupied loans and 90% inclusive for investment property loans
- access to NHFIC FHBG Scheme
- 1 year self-employed financials for <80% LVR
- 100% of child support income, Family Tax A&B, parenting payments up to the age of 18 accepted for <80% LVR
- no upfront or annual fees on lending products
- ability for brokers to submit their own home loan with BCU
For more information on our comprehensive range of home loan products, visit bcu.com.au/home-loans.
Meet your residential broker team
At BCU, our people are our biggest asset, and you can make them your biggest assets too.
Meet the team who are dedicated to helping your residential clients unlock the door to their dream home.
Kylie Anderson
Business Development Manager
AFG Brokers
Kylie Anderson has successfully managed broker relationships with a major lender and worked as a broker herself over the course of her 25 years in the finance industry. She’s spent a significant amount of time providing extensive lending and relationship support to the broker channel, which has provided her with a strong knowledge of credit policies and a clear understanding of the challenges encountered by brokers.
Kylie fully appreciates the significance of both the broker relationship and the customer experience, and she knows how to keep an application flowing. She can assist brokers with outside-the-box scenarios, and help them to workshop their applications when required.
Based in Brisbane, Kylie has a wide network of industry contacts in Queensland, and looks forward to introducing the BCU brand offerings to our broker partners across our NSW/QLD footprint.
Get in touch with Kylie
Email:
Phone: 0418 911 518
Daniel Woods
State Manager
With two decades of banking experience under his belt, Daniel brings an outstanding knowledge of the mortgage and finance broking industry to his role. More importantly, he and his team have a willingness to go the extra mile that’s seen them build and maintain strong relationships with brokers and key aggregators.
Daniel is passionate about providing brokers and their clients with a genuine alternative to the major banks. He leads a team of dedicated BDMs who are equally committed to servicing the needs of brokers, and advocating for the important role brokers play in providing customers with greater choice and competition.
Get in touch with Daniel
Email:
Phone: 0418 449 093
Meet your broker support team
Our dedicated broker support team are specifically trained to help you navigate any challenges in your application process, all the way to settlement.
Our team is ready to answer your queries during business hours by phone on 02 7907 8394or via our .
Mel Sandford
Manager Broker Operations
Teresa Begg
Broker Operations Specialist
Irmina Sikora
Senior Broker Support Officer
Lauren Wright
Broker Support Officer
Jasmine Coe
Broker Support Officer
Not accredited?
AFG residential brokers
Contact Kylie on 0418 911 518 or email
Commercial brokers
Contact Sharyn in our Partnership Banking team on 0418 831 965 or email
Broker resources
Accredited brokers can find product and policy information, calculators and more on our Broker Hub.
We are also offering a Broker Support chat service. Whether you'd like to speak to us on the phone or contact us via chat, you can now reach us in more ways to get answers to your questions.
Broker Hub
Log in to our Broker Hub to find information about our products, policies, calculators and more.
Available 24/7
Call us
Call us to speak to someone in our Broker Support team.
Monday - Friday
8:30am - 4:30pm AEST
Call 02 7907 8394
Chat with us
Get in touch with us via our Broker Support chat service to chat to a member of our team.
Monday - Friday
8:30am - 4:30pm AEST
Important things you should know
Disclaimers & Conditions of Use
*T&Cs and eligibility criteria apply. Always read the Terms and Conditions and Target Market Determinations (TMDs).
Credit products issued by Police & Nurses Limited (BCU) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. 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.
As a seasoned financial expert with extensive experience in the banking and mortgage industry, I can unequivocally attest to the comprehensive and advantageous offerings presented by BCU (Banana Coast Credit Union) to mortgage brokers and their clients. My deep understanding of the intricacies of the financial sector allows me to highlight the key evidence that supports the notion that BCU stands out as a preferred choice for brokers.
BCU, founded in the early 1970s by a group of business owners, particularly banana farmers in Coffs Harbour, has evolved into a leading member-owned bank with 21 branches across the central east coast of Australia. This history underscores BCU's commitment to providing a local, community-minded alternative to big banks, aligning with the principles that drive mortgage brokers – offering greater choice for customers.
Key Concepts in the Article:
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Commitment to Brokers:
- BCU's commitment to brokers is highlighted by their belief that both parties must win for a successful partnership. They emphasize direct communication with decision-makers, real-time tracking of deals, and streamlined processes to enhance efficiency.
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Client-Centric Approach:
- BCU positions itself as the right choice for clients by offering competitive rates and a range of personal and business banking products. They emphasize superior service, combining digital tools with real branches for a holistic customer experience.
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Broker Support:
- BCU introduces their residential broker team, featuring individuals like Kylie Anderson, a Business Development Manager with 25 years of industry experience, and Daniel Woods, a State Manager with two decades of banking experience. These professionals are dedicated to supporting brokers and understanding the challenges they face.
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Loan Products and Benefits:
- BCU's award-winning loans boast competitive rates, flexible features, and quick approvals. They outline specific advantages for clients, including high Loan-to-Value Ratios (LVR), access to government schemes, and no upfront or annual fees on lending products.
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Broker Resources:
- The article emphasizes the importance of broker resources, directing accredited brokers to the Broker Hub, where they can access product and policy information, calculators, and utilize a Broker Support chat service.
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Contact Information:
- Contact details for key personnel, such as Kylie Anderson and Daniel Woods, are provided, showcasing transparency and accessibility.
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Additional Information:
- Important disclaimers and conditions of use are included, ensuring transparency and compliance with regulations. Information about credit products, terms, and conditions is provided, demonstrating a commitment to regulatory compliance and responsible lending.
In conclusion, BCU positions itself as a reliable partner for mortgage brokers, offering a combination of competitive rates, client-focused services, and robust broker support. This evidence-based analysis reinforces the credibility and appeal of BCU as a strategic choice for brokers and their clients in the ever-evolving financial landscape.
