CUA Premium 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 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

3.99% p.a.

4.97% p.a.

$0.00

CUA Premium Fixed Rate Loan

3.99% p.a.

4.97% p.a.

$0.00

p.a.

n/a

$0.00

CUA Premium Fixed Rate Loan

p.a.

n/a

$0.00

4.11% p.a.

5.38% p.a.

$0.00

CUA Premium Fixed Rate Loan

4.11% p.a.

5.38% p.a.

$0.00

4.26% p.a.

5.42% p.a.

$0.00

CUA Premium Fixed Rate Loan

4.26% p.a.

5.42% p.a.

$0.00

Details

Rates and fees information correct as at 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.96% (5.18%*)

  • 4.01% (5.07%*)

  • 3.99% (4.97%*)

  • (*)

  • 4.40% (4.95%*)

  • (*)

  • (*)

  • 5.24% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 95.00%

Features
  • Monthly

  • yes - free up to $50,000 during fixed rate term

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial up to $50,000 during fixed term

  • 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 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.31% (5.21%*)

  • 4.36% (5.14%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 5.24% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $50,000 during fixed rate term

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial up to $50,000 during fixed term

  • 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 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.36% (5.71%*)

  • 4.36% (5.58%*)

  • 4.11% (5.38%*)

  • (*)

  • 4.86% (5.46%*)

  • (*)

  • (*)

  • 5.79% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Monthly

  • yes - free up to $50,000 during fixed rate term

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial up to $50,000 during fixed term

  • 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 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.71% (5.75%*)

  • 4.71% (5.65%*)

  • 4.26% (5.42%*)

  • (*)

  • 5.21% (5.60%*)

  • (*)

  • (*)

  • 5.79% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $500.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Monthly

  • yes - free up to $50,000 during fixed rate term

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial up to $50,000 during fixed term

  • 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

Latest reviews of CUA Premium Fixed Rate Loan

  • Overall
    8/10
    Offset account with fixed interest rate

    100% offset account has potential to save significant interest. Interest rates however are not...

    100% offset account has potential to save significant interest. Interest rates however are not always the most competitive.

    Price
    7/10
    Features
    10/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    8/10

    Matt | Queensland

    reviewed about 3 years ago

  • Overall
    8/10
    A really good product

    Free offset account, free redraws, great fixed rate. You really can't go wrong with CUA.

    Free offset account, free redraws, great fixed rate. You really can't go wrong with CUA.

    Price
    10/10
    Features
    10/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    5/10

    Jonathon | Queensland

    reviewed over 3 years ago

  • Overall
    9/10
    Good rates.

    Good rates.

    Good rates.

    Price
    8/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Leanne | New South Wales

    reviewed almost 4 years ago

  • Overall
    10/10
    Unbeatable Value from a Trusted Provider!

    I did my homework and CUA shone brightly against major banks, and even the VicPol Bank! The...

    I did my homework and CUA shone brightly against major banks, and even the VicPol Bank! The brokers I talked to said they couldn't even come close to the features the loan has. Lender came to my home, rate is the same for residential properties even if you aren't living in the home, full offset account, my favourite; unlimited repayments during fixed rate period, redraw capability, no fees or charges on loan or accounts with CUA, AND no set up fee! This is a winner of a product and one I would not hesitate to recommend to family and friends.

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

    Kaz | Victoria

    reviewed about 4 years ago

  • Overall
    9/10
    Great features

    A fixed rate home loan with offset account and redraw facility? Only CUA does it.

    A fixed rate home loan with offset account and redraw facility? Only CUA does it.

    Price
    9/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    10/10

    Iranna | Western Australia

    reviewed over 4 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.