CUA Achieve Variable Home Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $5,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 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 $100,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 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 $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 $5,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $5,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $5,000,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $5,000,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $150,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $100,000 $5,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $100,000 $5,000,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $100,000 $5,000,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $100,000 $5,000,000

3.18% p.a.

3.23% p.a.

$0.00

CUA Achieve Variable Home Loan

3.18% p.a.

3.23% p.a.

$0.00

3.68% p.a.

3.75% p.a.

$0.00

CUA Achieve Variable Home Loan

3.68% p.a.

3.75% p.a.

$0.00

3.49% p.a.

3.54% p.a.

$0.00

CUA Achieve Variable Home Loan

3.49% p.a.

3.54% p.a.

$0.00

3.84% p.a.

3.91% p.a.

$0.00

CUA Achieve Variable Home Loan

3.84% p.a.

3.91% p.a.

$0.00

3.33% p.a.

3.38% p.a.

$0.00

CUA Achieve Variable Home Loan

3.33% p.a.

3.38% p.a.

$0.00

3.83% p.a.

3.90% p.a.

$0.00

CUA Achieve Variable Home Loan

3.83% p.a.

3.90% p.a.

$0.00

3.76% p.a.

3.81% p.a.

$0.00

CUA Achieve Variable Home Loan

3.76% p.a.

3.81% p.a.

$0.00

4.11% p.a.

4.18% p.a.

$0.00

CUA Achieve Variable Home Loan

4.11% p.a.

4.18% p.a.

$0.00

Mozo Review   CUA Achieve Variable Home Loan Review

Last updated: 6 August 2019.

What's hot:
  • Free extra repayments and redraw facility

  • Partial offset account available

  • Borrow with a 10% deposit

What's not:
  • $600 application fee

  • $500 discharge fee

Mozo snapshot:

The CUA Achieve Variable Home Loan offers special rates starting at 3.18% p.a. (3.23% p.a. comparison rate*) to go with its long list of features. Along with a partial offset account, you can also make free extra repayments, access a free redraw facility, and split your loan between fixed and variable rates.

Key features:

With a CUA Achieve Variable Home Loan, owner occupiers making principal and interest repayments will score a variable rate of 3.18% p.a. (3.23% p.a. comparison rate*). Loans are available between $100,000 and $5,000,000, and depending on the type of repayment, you’ll be looking at an LVR of either 80% or 90%.

Repayments can be made weekly, fortnightly or monthly, and you can pay down your loan faster 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, there are a few charges you’ll need to be aware of, namely the $600 application fee, $235 settlement fee, and $500 discharge fee. 

Who it's good for:

If you’re looking for a home loan with an array of features to help you save on interest, the CUA Achieve Variable Home Loan is a good bet.

Any catches?

This particular loan is only available to new CUA customers, meaning that if you already have a home loan with CUA and are looking to make the switch, you’re out of luck.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.18% p.a.

  • n/a

  • n/a

  • n/a

  • 3.23% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.68% p.a.

  • n/a

  • n/a

  • n/a

  • 3.75% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 80.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.49% p.a.

  • n/a

  • n/a

  • n/a

  • 3.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.84% p.a.

  • n/a

  • n/a

  • n/a

  • 3.91% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.33% p.a.

  • n/a

  • n/a

  • n/a

  • 3.38% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $100,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.83% p.a.

  • n/a

  • n/a

  • n/a

  • 3.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $100,000

  • $5,000,000

  • none

  • 80.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.76% p.a.

  • n/a

  • n/a

  • n/a

  • 3.81% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $100,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

  • none

  • none

*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.

Details

Rates and fees information correct as at 21 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.11% p.a.

  • n/a

  • n/a

  • n/a

  • 4.18% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $100,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

  • none

  • none

*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.

Customer Reviews

How are CUA home loans rated by the Mozo community?

Overall customer rating
8.2/10

Based on 354 CUA home loan reviews

Price
7.9/10
Features
7.7/10
Customer service
8.3/10
Convenience
7.5/10
Trust
8.3/10
CUA

About CUA

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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3.51% p.a.

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$520

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*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.