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 $499,999 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 90%
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 | $499,999 |
| | Owner Occupier | Principal & Interest | < 90% | $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 $499,999
Owner Occupier (Principal & Interest)
LVR < 90%
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 special rates starting at 2.55% p.a. (2.60% 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.
And if you're wanting to refinance your current home loan with CUA, you may be eligible for a $2,000 Digital Prepaid Mastercard!
With a CUA Achieve Variable Home Loan, owner occupiers making principal and interest repayments on a loan of $500,000 or more will score a variable rate of 2.55% p.a. (2.60% 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%. There are various rate tiers available depending on your loan amount, so make sure to double check what rates available for the amount you need.
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.
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. But if you are a refinancer this product could be an even better bet as you may score yourself a $2,000 Digital Prepaid Mastercard. You simply need to be refinancing at least $250,000 and have a maximum LVR of 80%.
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.
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.
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
$499,999
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.
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
$500,000
$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.
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.
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.
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
$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.
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.
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.
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.
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.
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.
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.
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.
I own my home outright with feasible repayments on a single parent pension. I joined because my parents were already members and I have never looked back.
Read full reviewI own my home outright with feasible repayments on a single parent pension. I joined because my parents were already members and I have never looked back.
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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