CUA home loan reviews

CUA
CUA's overall rating for home loans

(as rated by the Mozo community)

7.8 / 10

based on 89 reviews

Price

Features

Customer service

Convenience

Trust

Full review

Featured home loan from CUA

Recent CUA home loan reviews

CUA

CUA Equity Line Of Credit home loan review

Overall rating   7 / 10

Good premiums, works for us.

We live in a regional town and the closest branches ( in other regional towns within 45 mins drive) have now closed. All communication is electronic unless we travel a fair distance, but electronic works OK.

Full review

We live in a regional town and the closest branches ( in other regional towns within 45 mins drive) have now closed. All communication is electronic unless we travel a fair distance, but electronic works OK.

    Price   6 / 10

    Features   4 / 10

    Customer service   7 / 10

    Convenience   3 / 10

    Trust   8 / 10

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Judith (NSW), reviewed 8 months ago

CUA

CUA Fresh Start Access Variable Home Loan (Owner Occupier) home loan review

Overall rating   8 / 10

Love our local branch.

Our local branch was amazing but corporate let us down when trying to settle the loan within a set timeframe.

Full review

Our local branch was amazing but corporate let us down when trying to settle the loan within a set timeframe.

    Price   9 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Jo (QLD), reviewed 8 months ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Competitive fixed products

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

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

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Tanya (QLD), reviewed 9 months ago

CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   8 / 10

Great home loan rates and friendly service

Cua have always been either better or on par with other basic variable rates and we have never had a problem with them. They are always friendly in their branches and having the Redi ATMs as part of their service, it makes it easy to find an ATM...

Full review

Cua have always been either better or on par with other basic variable rates and we have never had a problem with them. They are always friendly in their branches and having the Redi ATMs as part of their service, it makes it easy to find an ATM that won't charge a fee. My only negative is that you have to go into a branch to chase up a better deal. They have a cheaper rate at the moment that I wouldn't have known about if I didn't go into the branch. Maybe I could have been notified about it by an email at the very least. Also depositing in an ATM would be helpful too.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Terry (QLD), reviewed 10 months ago

CUA

CUA home loan review

Overall rating   9 / 10

Great to deal with, low interest rates

They are always willing to help even in difficult times

Full review

They are always willing to help even in difficult times

    Price   8 / 10

    Features   10 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Cheryl (VIC), reviewed 10 months ago

CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   6 / 10

Great customer service

I like this bank as I find them easy to use and helpful whenever I had an issue. Customer service was better than expected. Product was good and easy to understand. Like any product you should read the fine print of a contract before signing. for...

Full review

I like this bank as I find them easy to use and helpful whenever I had an issue. Customer service was better than expected. Product was good and easy to understand. Like any product you should read the fine print of a contract before signing. for me it took 1hour 15mins to read through, I did find 2 errors, which then were fixed up before signing.

    Price   7 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Paul (QLD), reviewed 10 months ago

CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Highly recommend

Very good interest rates

Full review

Very good interest rates

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Jenny (NSW), reviewed 11 months ago

CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   7 / 10

Low interest rate

Comparatively low interest rate

Full review

Comparatively low interest rate

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   10 / 10

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Deepa (VIC), reviewed 12 months ago

CUA

CUA Fresh Start Basic Variable Home Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Fantastic customer service.

Always get the best service whether it be in branch or on the phone, they tend to go that extra bit to help their customers, can not fault them, maybe need more branches.

Full review

Always get the best service whether it be in branch or on the phone, they tend to go that extra bit to help their customers, can not fault them, maybe need more branches.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Rebecca (QLD), reviewed about 1 year ago

CUA

CUA home loan review

Overall rating   9 / 10

Great range of options + friendly customer service

Have been with CUA for more than a decade and have always found them to be friendly and efficient.

Full review

Have been with CUA for more than a decade and have always found them to be friendly and efficient.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Sharon (QLD), reviewed about 1 year ago

CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   8 / 10

Better than the big banks!!!!

Best choice we made leaving Commbank and moving to CUA

Full review

Best choice we made leaving Commbank and moving to CUA

    Price   8 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Shane (VIC), reviewed about 1 year ago

CUA

CUA Fresh Start Variable Home Loan (Owner Occupier) home loan review

Overall rating   7 / 10

Decent rate, customer service could improve

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...

Full review

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

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Andrea (NSW), reviewed about 1 year ago

CUA

CUA Fresh Start Variable Home Loan (Owner Occupier) home loan review

Overall rating   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 fees and charges.

Full review

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

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Grace (NSW), reviewed about 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   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.

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

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Julie (NSW), reviewed about 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   8 / 10

I'm happy with CUA

Been with them a long time. Very happy.

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

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Jude (QLD), reviewed about 1 year ago

CUA

CUA home loan review

Overall rating   9 / 10

CUA all the way.

Why go for a big bank. All the home loan features at a more than competitive rate. The only draw back in the lack of branches.

Full review

Why go for a big bank. All the home loan features at a more than competitive rate. The only draw back in the lack of branches.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   8 / 10

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Ben (NSW), reviewed over 1 year ago

CUA

CUA Premium Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   8 / 10

Offset account with fixed interest rate

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

Full review

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

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Matt (QLD), reviewed over 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   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.

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

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Sarah (VIC), reviewed over 1 year ago

CUA

CUA home loan review

Overall rating   8 / 10

Great customer service. Accessible

Great service, competitive.

Full review

Great service, competitive.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Therese (NSW), reviewed over 1 year ago

CUA

CUA home loan review

Overall rating   4 / 10

Good rate, bad follow-up on calls or emails

They have a great rate and if you never need to talk to them again it's all satisfactory. It all starts to go downhill once you need to contact them. Emails go unanswered, calls don't yield answers and call-backs don't happen when promised.

Full review

They have a great rate and if you never need to talk to them again it's all satisfactory. It all starts to go downhill once you need to contact them. Emails go unanswered, calls don't yield answers and call-backs don't happen when promised.

    Price   8 / 10

    Features   6 / 10

    Customer service   2 / 10

    Convenience   1 / 10

    Trust   2 / 10

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D (NSW), reviewed over 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   9 / 10

The one bank you can trust

Terrific service. They are very helpful as well.

Full review

Terrific service. They are very helpful as well.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Janwt (NSW), reviewed over 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Awesome

Love dealing with this bank.

Full review

Love dealing with this bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Timothy (QLD), reviewed over 1 year ago

CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   5 / 10

Competitive premiums

I have been a loyal customer with CUA since 1980, but the same loyalty has not been reciprocated by them.

Full review

I have been a loyal customer with CUA since 1980, but the same loyalty has not been reciprocated by them.

    Price   6 / 10

    Features   3 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   5 / 10

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Csaba (QLD), reviewed over 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   6 / 10

Not a winner

Standard fixed rate is not a flexible product, premium is better. Stil I know there are better products out there.

Full review

Standard fixed rate is not a flexible product, premium is better. Stil I know there are better products out there.

    Price   5 / 10

    Features   2 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Dean (QLD), reviewed over 1 year ago

CUA

CUA Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Great rates, lower fees than the other banks

Always recommend this product. Really fantastic and what people really want!

Full review

Always recommend this product. Really fantastic and what people really want!

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   3 / 10

    Trust   10 / 10

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Robyn (QLD), reviewed over 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo Rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.60% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.60% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • BCU OMG Home Loan

    BCU OMG Home Loan

    • Easy online application
    • 3 month pre-approval
    • Money Mag Credit Union of the Year

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.95% p.a.

    Upfront fees

    $900

    Go to site

    More info

    • Easy online application
    • 3 month pre-approval
    • Money Mag Credit Union of the Year
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.95% p.a.
    • Upfront fees: $900
    • Ongoing fees: $198.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.9

    Based on 13 BCU home loan reviews

    Need more information?
    Go to site

    More info

  • Community First Credit Union Special 3 Year Fixed Rate Home Loan (Owner Occupier)

    Community First Credit Union Special 3 Year Fixed Rate Home Loan (Owner Occupier)

    • 100% offset account attached
    • No monthly or annual fees
    • Make additional repayments up $25,000 p.a without penalty

    interest rate

    3.69% p.a.
    fixed 3 years

    comparison rate*

    4.93% p.a.

    Upfront fees

    $990

    Go to site

    More info

    • 100% offset account attached
    • No monthly or annual fees
    • Make additional repayments up $25,000 p.a without penalty
    • Interest rate: 3.69% p.a.
      fixed 3 years
    • Comparison rate*: 4.93% p.a.
    • Upfront fees: $990
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $25,000 p.a.
    • Redraw facility: yes - fees apply
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Monthly, Fortnightly, Weekly
    Overall rating

    8.5

    Based on 4 Community First Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.72% p.a. variable

    comparison rate*

    3.75% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 3.75% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees

    interest rate

    3.73% p.a. variable

    comparison rate*

    3.73% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 27 Beyond Bank home loan reviews

    Need more information?
    Go to site

    More info

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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