The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 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 $10,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $10,000 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 | < 95% | $10,000 | $5,000,000 |
| | Owner Occupier | Principal & Interest | < 80% | $10,000 | $5,000,000 |
| | Owner Occupier | Interest Only | < 80% | $10,000 | $5,000,000 |
| | Investor | Principal & Interest | < 90% | $10,000 | $5,000,000 |
| | Investor | Interest Only | < 90% | $10,000 | $5,000,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $10,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $10,000 $5,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $10,000 $5,000,000
Investor (Principal & Interest)
LVR < 90%
Loan: $10,000 $5,000,000
Investor (Interest Only)
LVR < 90%
Loan: $10,000 $5,000,000
With CUA’s Fixed Rate Home Loan you can lock in an interest rate as low as 1.97% p.a. (3.86% p.a. comparison rate*) on 3-year terms. Plus, if your LVR is below 80%, you'll be able to take advantage of a 1.79% p.a. 2-year fixed rate (4.02% p.a. comparison rate*). Loans are available from as little as $10,000 to as much as $5 million. You can make up to $5,000 worth of extra repayments during the fixed rate term of your loan and if you need to redraw some of those extra repayments, there’s even a free redraw facility. Plus, there's a $2,000 Digital Prepaid Mastercard up for grabs for refinancers - as long as you meet the borrowing conditions.
Looking for a fixed, low rate for your home loan? Why not check out this owner-occupier, principal and interest loan from CUA. The loan offers 3-year fixed rates as low as 1.97% p.a. (3.86% p.a. comparison rate*). And if you have an LVR less than 80%, you can sign up for a 1.79% p.a. 2-year fixed rate (4.02% p.a. comparison rate*).
If you have the means to make extra repayments, then you’ll be happy to hear that you can do just that. CUA’s Fixed Rate Home Loan allows you to make up to $5,000 worth of extra repayments during the fixed rate term of your loan. There’s even a free redraw facility with no minimum redraw amount available, should you find that you’ve made too many extra repayments.
You can take out this loan with as little as a 5% deposit - keeping in mind that with any deposit less than 20% you will have to pay lenders mortgage insurance. Plus, if you want to take advantage of a fixed and variable rate in the future, there’s also the option to split your repayments into multiple accounts. That way you can benefit from the security that comes with a fixed rate, while at the same time enjoying a lower variable rate.
Refinancing? You may be pleased to hear that if you are borrowing a minimum of $250,000 to refinance your old loan and have a LVR of max 80%, you could be eligible to receive a handy $2,000 Digital Prepaid Mastercard!
While there are plenty of perks, just bear in mind that with this loan there is a hefty upfront fee of $835 to pay and repayments can only be made monthly.
CUA’s Fixed Rate Home Loan would be suited to anyone who is looking to lock in a low interest rate for a few years and also make use of a few extra features. Plus, refinancers may be able to take advantage of the $2,000 Digital Prepaid Mastercard offer.
The loan comes with a fairly hefty upfront fee of $835. Repayments can only be made monthly and there is no offset account available. So, if you’re looking for something a little more flexible, this may not be the home loan for you.
n/a
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n/a
n/a
2.19% (4.28%*)
2.09% (4.07%*)
1.97% (3.86%*)
n/a
2.59% (3.75%*)
n/a
n/a
4.44% p.a.
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$10,000
$5,000,000
none
95.00%
Monthly
yes - up to $5,000 during fixed rate term
no
yes - free
$0.00
yes
no
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.
n/a
n/a
n/a
n/a
n/a
1.79% (4.02%*)
n/a
n/a
n/a
n/a
n/a
4.44% p.a.
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$10,000
$5,000,000
none
80.00%
Monthly
yes - up to $5,000 during fixed rate term
no
yes - free
$0.00
yes
no
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.
n/a
n/a
n/a
n/a
2.79% (4.35%*)
2.79% (4.21%*)
n/a
n/a
n/a
n/a
n/a
4.44% p.a.
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$10,000
$5,000,000
none
80.00%
Monthly
yes - up to $5,000 during fixed rate term
no
yes - free
$0.00
yes
no
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.
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n/a
n/a
n/a
2.69% (4.83%*)
2.35% (4.57%*)
2.35% (4.35%*)
n/a
2.99% (4.24%*)
n/a
n/a
4.99% p.a.
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$10,000
$5,000,000
none
90.00%
Monthly
yes - up to $5,000 during fixed rate term
no
yes - free
$0.00
yes
no
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.
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n/a
n/a
n/a
2.79% (4.84%*)
2.45% (4.59%*)
2.45% (4.38%*)
n/a
3.09% (4.28%*)
n/a
n/a
4.99% p.a.
$600.00
n/a
$0.00
$235.00
n/a
$0.00
$500.00
$10,000
$5,000,000
none
90.00%
Monthly
yes - up to $5,000 during fixed rate term
no
yes - free
$0.00
yes
no
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.
Happy at this stage with this banking institute.
Read full reviewHappy at this stage with this banking institute.
CPremium fixed is awesome as you can still pay extra with no restrictions.
Read full reviewCPremium fixed is awesome as you can still pay extra with no restrictions.
CUA have very competitive rates for all home loan products. The local branch always takes the time to assist you. There are no hidden fees or charges for paying extra.
Read full reviewCUA have very competitive rates for all home loan products. The local branch always takes the time to assist you. There are no hidden fees or charges for paying extra.
Been with them a long time. Very happy.
Read full reviewBeen with them a long time. Very happy.
Excellent service, great features, I repeatedly called to check they were all true and was quickly and professionally dealt with every time. Highly recommended.
Read full reviewExcellent service, great features, I repeatedly called to check they were all true and was quickly and professionally dealt with every time. Highly recommended.
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.
See CUA home loans
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2.47% p.a.
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3.03% p.a.
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.
