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CUA Fixed Rate Loan

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 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

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    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

Fixed 3 year rate
2.49% p.a.
Comparison Rate*
3.99% p.a.
Service fee
$0.00
Upfront fee
$835
Fixed 3 year rate
p.a.
Comparison Rate*
n/a
Service fee
$0.00
Upfront fee
$835
Fixed 3 year rate
2.69% p.a.
Comparison Rate*
4.44% p.a.
Service fee
$0.00
Upfront fee
$835
Fixed 3 year rate
2.79% p.a.
Comparison Rate*
4.46% p.a.
Service fee
$0.00
Upfront fee
$835

Mozo editorial review CUA Fixed Rate Loan

Last updated: 25 August 2020.

binocular icon
What's hot
  • 3-year fixed rates from 2.49% p.a. (3.99% p.a. comparison rate*)
  • Extra repayments up to $5,000 during fixed rate term
  • $2,000 Digital Prepaid Mastercard for refinancers (conditions apply)
What's not
  • $835 upfront fee
  • No offset account
Mozo snapshot

With CUA’s Fixed Rate Home Loan you can lock in an interest rate as low as 2.49% p.a. (3.99% 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. 

key icon
Key features

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 2.49% p.a. (3.99% p.a. comparison rate*). Plus, you can lock in one of these low rates for as short a time as one or two years, or as long as three or five years.

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.

snapshot
Who is it good for

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. 

snapshot
Any catches

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.

Details

Rates and fees information correct as at 20 September 2020. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.69% (4.33%*)

  • 2.49% (4.14%*)

  • 2.49% (3.99%*)

  • n/a

  • 2.99% (3.91%*)

  • n/a

  • n/a

  • 4.44% p.a.

Fees
  • $600.00

  • n/a

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 20 September 2020. 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
  • 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.

Fees
  • $600.00

  • n/a

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • 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.

Details

Rates and fees information correct as at 20 September 2020. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.69% (4.83%*)

  • 2.69% (4.63%*)

  • 2.69% (4.44%*)

  • n/a

  • 2.99% (4.24%*)

  • n/a

  • n/a

  • 4.99% p.a.

Fees
  • $600.00

  • n/a

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

Details

Rates and fees information correct as at 20 September 2020. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (4.84%*)

  • 2.79% (4.65%*)

  • 2.79% (4.46%*)

  • n/a

  • 3.09% (4.28%*)

  • n/a

  • n/a

  • 4.99% p.a.

Fees
  • $600.00

  • n/a

  • $0.00

  • $235.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • 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.

Customer Reviews

How are CUA home loans rated by the Mozo community?

Overall
8.1/10

Based on 371 CUA home loan reviews

Price
7.9/10
Features
7.7/10
Customer service
8.2/10
Convenience
7.4/10
Trust
8.2/10

Latest reviews of CUA Fixed Rate Loan

  • Overall 8/10
    Great pricing!

    Happy at this stage with this banking institute.

    Read full review

    Happy at this stage with this banking institute.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    7/10
    Less
    Deborah, Queensland reviewed 11 months ago
  • Overall 10/10
    Competitive fixed products

    CPremium fixed is awesome as you can still pay extra with no restrictions.

    Read full review

    CPremium fixed is awesome as you can still pay extra with no restrictions.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Tanya, Queensland reviewed over 4 years ago
  • Overall 10/10
    Excellent banking services

    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 review

    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.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Julie, New South Wales reviewed almost 5 years ago
  • Overall 8/10
    I'm happy with CUA

    Been with them a long time. Very happy.

    Read full review

    Been with them a long time. Very happy.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Jude, Queensland reviewed about 5 years ago
  • Overall 10/10
    Can't find fault here in product or service!

    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 review

    Excellent service, great features, I repeatedly called to check they were all true and was quickly and professionally dealt with every time. Highly recommended.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Sarah, Victoria reviewed about 5 years ago
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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*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.