CUA Fresh Start Variable Home 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 80%

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 80%

Choose the version of 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 < 80%

    Loan: $10,000 $5,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $10,000 $5,000,000

4.26% p.a.

4.27% p.a.

$0.00

CUA Fresh Start Variable Home Loan

4.26% p.a.

4.27% p.a.

$0.00

4.61% p.a.

4.63% p.a.

$0.00

CUA Fresh Start Variable Home Loan

4.61% p.a.

4.63% p.a.

$0.00

4.91% p.a.

4.92% p.a.

$0.00

CUA Fresh Start Variable Home Loan

4.91% p.a.

4.92% p.a.

$0.00

5.26% p.a.

5.28% p.a.

$0.00

CUA Fresh Start Variable Home Loan

5.26% p.a.

5.28% p.a.

$0.00

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 4.26% p.a.

  • n/a

  • 0 Months

  • none

  • 4.27% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 4.61% p.a.

  • n/a

  • 0 Months

  • none

  • 4.63% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 4.91% p.a.

  • n/a

  • 0 Months

  • none

  • 4.92% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 20 August 2018.

Rates
  • 5.26% p.a.

  • n/a

  • 0 Months

  • none

  • 5.28% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

Customer Reviews

How are CUA home loans rated by the Mozo community?

Overall customer rating
7.8/10

Based on 89 CUA home loan reviews

Price
7.9/10
Features
7.5/10
Customer service
7.8/10
Convenience
6.9/10
Trust
7.7/10

Latest reviews of CUA Fresh Start Variable Home Loan

  • Overall
    7/10
    Decent rate, customer service could improve

    Their rate is competitive with no annual fees. The redraw and offset facilities are great. Their...

    Their rate is competitive with no annual fees. The redraw and offset facilities are great. Their customer service has not been ideal. So far as I have contacted them multiple times about setting up a credit card which could have been arranged with the home loan. When completing the lengthy online application they did maintenance!

    Price
    8/10
    Features
    8/10
    Customer service
    6/10
    Convenience
    8/10
    Trust
    6/10

    Andrea | NSW

    16 Oct 2015

  • Overall
    8/10
    Good value home loan with no hidden costs

    I think they are very competitive in the market, offering good value home loan with no extra bank...

    I think they are very competitive in the market, offering good value home loan with no extra bank fees and charges.

    Price
    8/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10

    Grace | NSW

    02 Oct 2015

  • Overall
    10/10
    Cheap Rate, No or Low Fees and Great Service

    I refinanced from ANZ to CUA on the Fresh Start Variable Home Loan and will save approximately...

    I refinanced from ANZ to CUA on the Fresh Start Variable Home Loan and will save approximately $40,000 over the life time of the loan. My mortgage is in the low 300k and I was amazed at the savings. The annual package fee with ANZ would have cost me $375 x 30 = $11,250 over the life of the loan. CUA has no package fee. I negotiated a better deal with ANZ in the past than their standard rate, however the CUA Fresh Start Variable rate still came in 0.41% lower again. The customer service has been good on the Gold Coast and I was kept up to date as the loan progressed. There are two branches close by so I do not see what advantage the big 4 banks have, especially when they are not competitive on price.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Damian | QLD

    07 Oct 2014

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.