Opening hours: 

Bowral:  9.00am – 5.00pm  Goulburn:  9.00am – 5.00pm.  Moss Vale:  9.00am – 1.00pm & 2.00pm – 5.00pm 

At this time we encourage you to stay home and stay safe.  Online banking is your safest option.

If you need assistance accessing remote banking please contact our team on 4860 4000.


First Home Buyers Program

Get into your own place or get your spare room back! Either way we can help.

BDCU Alliance Bank has a home loan solution that allows you to get into the property market now and at the same time avoid expensive mortgage insurance costs.

At BDCU Alliance Bank we recognise that family members often want to help out their children with their first home loan and keep control of the amount they guarantee.

With the BDCU Alliance Bank Family Start Home Loan your relatives can do just that, help you get into your first home sooner and control how much security they pledge to your loan.

What’s more, the NSW Government has made it easier through some great initiatives and we can help you through the process.

First time buyers in NSW can take advantage of the following*

  • No stamp duty on all homes up to $650K
  • $10,000 Grant for purchasers of new properties worth up to $600K
  • $10,000 First Home Builder Grants available
  • No insurance duty on lenders’ mortgage insurance

How does it work? 

You find a home you would like to buy and the shortfall in the deposit you need can be made up by using equity (value) in your parents’ home. The best part is your parents control how much equity they provide for security, and your loan can be set up to pay that amount off first.

This can mean avoiding paying lenders’ mortgage insurance (which can be in excess of $10,000) and waiting an extended period to get into the property market.

Unlike traditional third party guarantees, the family member can determine an amount that they would like to provide as guarantee – somewhere in the range of 0 to 20% value of the home being purchased.

By setting the amount that the family member would like to guarantee they are in control of their equity and can request a loan review at any time to see if their security is still required.

The Family Start Home Loan is a structure that allows members to guarantee other family members on a BDCU Alliance Bank home loan.

Family Start Key Features and Benefits

  • You determine the $ amount of the loan you would like to guarantee
  • Home loan applicant can avoid lenders' mortgage insurance fees
  • Your kids can enter the property market sooner
  • The loan with guarantee attached will be paid off first

Call the team today on (02) 4860 4000 or pop into a centre and take the first step on getting on the housing ladder.

Things you should know:

This information doesn’t take into account your objectives, financial situation or needs. Any advice is general advice only. Before acting on information, you should consider whether it is appropriate in your particular circumstances. Terms & Conditions, General Fees & Charges apply, and are available on request. 

*For people who build their first home on vacant land and the total value of the house and land does not exceed $750K, for more information visit

Minimum loan amount $150,000. Promotion commences 20 September 2017 and is subject to change/withdrawal without notice.

BDCU Limited ACN 087 649 787 (BDCU) is an agent of Bendigo and Adelaide Bank Limited ACN 068 049 178 AFSL/Australian Credit Licence 237879 in the distribution of BDCU Alliance Bank® branded products and services. BDCU Alliance Bank® branded deposits and loans are deposits and loans of Bendigo and Adelaide Bank Limited.

BDCU also has arrangements with other third parties as detailed in the Financial Services Guide.

BDCU Alliance Bank® is a trade mark of Bendigo and Adelaide Bank and is the brand name of financial products issued by that Bendigo and Adelaide Bank with the assistance of its agent BDCU.

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