The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $249,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $5,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $249,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $249,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $500,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $249,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $250,000 and $499,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $500,000 and $5,000,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $100,000 | $249,999 |
| | Owner Occupier | Principal & Interest | < 90% | $250,000 | $5,000,000 |
| | Owner Occupier | Principal & Interest | < 80% | $500,000 | $5,000,000 |
| | Owner Occupier | Interest Only | < 80% | $100,000 | $249,999 |
| | Owner Occupier | Interest Only | < 80% | $250,000 | $499,999 |
| | Owner Occupier | Interest Only | < 80% | $500,000 | $5,000,000 |
| | Investor | Principal & Interest | < 90% | $100,000 | $249,999 |
| | Investor | Principal & Interest | < 90% | $250,000 | $499,999 |
| | Investor | Principal & Interest | < 90% | $500,000 | $5,000,000 |
| | Investor | Interest Only | < 90% | $100,000 | $249,999 |
| | Investor | Interest Only | < 90% | $250,000 | $499,999 |
| | Investor | Interest Only | < 90% | $500,000 | $5,000,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $100,000 $249,999
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $250,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $500,000 $5,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $249,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $250,000 $499,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $500,000 $5,000,000
Investor (Principal & Interest)
LVR < 90%
Loan: $100,000 $249,999
Investor (Principal & Interest)
LVR < 90%
Loan: $250,000 $499,999
Investor (Principal & Interest)
LVR < 90%
Loan: $500,000 $5,000,000
Investor (Interest Only)
LVR < 90%
Loan: $100,000 $249,999
Investor (Interest Only)
LVR < 90%
Loan: $250,000 $499,999
Investor (Interest Only)
LVR < 90%
Loan: $500,000 $5,000,000
The CUA Achieve Variable Home Loan offers variable rates starting at 2.35% (2.40% comparison rate*), plus it comes with a long list of features including a partial offset account, free extra repayments and access to a redraw facility. And if you're looking to refinance your current home loan with CUA, you may even be eligible for a $2,000 Digital Prepaid Mastercard.
With a CUA Achieve Variable Home Loan, owner occupiers and investors will be able to borrow between $100,000 and $5,000,000 with loan-to-value ratios (LVR) up to a maximum of either 80% or 90%. There are various rate tiers depending on your loan amount and the type of borrower you are, but at present the lowest available are:
Repayments can be made weekly, fortnightly or monthly, and you can pay down your loan faster with extra repayments without worrying about getting slapped with any fees. There’s also a free redraw facility, which you can make use of if you need those extra funds back.
While there is an offset account, it’s only a partial offset, up to $15,000. Nonetheless, it’s still a good option to have if you’re looking for ways to save on interest. There’s also the ability to split your loan between a fixed and variable rate, which could come in handy if you want to limit some of the fluctuations in your repayments.
Finally, if you are a looking to refinance an existing home loan of $250,000 or more (maximum LVR of 80%) from another lender to CUA, you may be eligible to receive a $2,000 Digital Prepaid Mastercard.
If you’re looking for a variable rate home loan with an array of features to help you save on interest or pay down your loan faster, the Achieve Variable Home Loan from CUA could be a good bet.
There are a few charges you’ll need to be aware of with the loan, namely the $600 application fee, $235 settlement fee and $500 discharge fee.
2.95% p.a.
n/a
n/a
n/a
3.00% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$100,000
$249,999
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.55% p.a.
n/a
n/a
n/a
2.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$250,000
$5,000,000
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.35% p.a.
n/a
n/a
n/a
2.40% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$500,000
$5,000,000
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.45% p.a.
n/a
n/a
n/a
3.09% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$100,000
$249,999
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.05% p.a.
n/a
n/a
n/a
2.69% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$250,000
$499,999
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.85% p.a.
n/a
n/a
n/a
2.48% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$500,000
$5,000,000
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.38% p.a.
n/a
n/a
n/a
3.43% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$100,000
$249,999
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.86% p.a.
n/a
n/a
n/a
2.91% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$250,000
$499,999
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.86% p.a.
n/a
n/a
n/a
2.91% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$500,000
$5,000,000
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.73% p.a.
n/a
n/a
n/a
3.57% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$100,000
$249,999
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.21% p.a.
n/a
n/a
n/a
3.05% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$250,000
$499,999
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.21% p.a.
n/a
n/a
n/a
3.05% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$500,000
$5,000,000
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes - partial up to $15,000 maximum
New loans only. Not available for switching from existing CUA home loans into this product. Legal fees charged at cost
none
Refinance with CUA and receive a $2,000 Digital Prepaid Mastercard, min new lending of $250,000 and maximum 80% LVR.
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
I love CUA. I have been with them for over 20 years and they have always helped me when I needed it.
Read full reviewI love CUA. I have been with them for over 20 years and they have always helped me when I needed it.
Being a credit union, it isn't driven by profit for shareholders. It's more of a people's bank. So I believe that makes them less likely to be done for money laundering, hounding the families of dead members and other nefarious conduct.
Read full reviewBeing a credit union, it isn't driven by profit for shareholders. It's more of a people's bank. So I believe that makes them less likely to be done for money laundering, hounding the families of dead members and other nefarious conduct.
They have been really easy to deal with. You talk to real people quickly when you call and the customer service is great. The website is really easy to navigate.
Read full reviewThey have been really easy to deal with. You talk to real people quickly when you call and the customer service is great. The website is really easy to navigate.
We love the flexibility offered. Customer service in the branch is outstanding.
Read full reviewWe love the flexibility offered. Customer service in the branch is outstanding.
We have been with CUA for nearly 30 years. No charges on accounts. Very friendly staff who are always available to help.
Read full reviewWe have been with CUA for nearly 30 years. No charges on accounts. Very friendly staff who are always available to help.
CUA is Australia's largest credit union and an alternative to the big banks, offering financial, health and insurance solutions to over 500,000 Aussies. As a mutual, it's run by members for members, and reinvests in making its service better for customers and supporting local communities. CUA is committed to helping members through life's big changes, so if you want to make a change for the better, check out CUA's range of home loans, personal loans, credit cards, savings accounts and more.
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2.09% p.a.
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n/a
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3.03% p.a.
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2.47% p.a.
$0.00
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
$0.00
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
