CUA Achieve Variable Home Loan

A variable rate loan with investor, owner-occupier and construction options that comes with a partial offset account

The CUA Achieve Variable Home Loan comes with a partial offset account and has options for investors, home purchase or construction. Some options let you borrow up to 90% of a property's value.

Interest Rate Max Insured LVR Max LVR
Construction (Investor, IO)
4.18% p.a.
Comparison Rate
4.14% p.a.
90% 80%
Construction (Owner Occupier, IO)
3.85% p.a.
Comparison Rate
3.81% p.a.
90% 80%
Investor, IO
4.43% p.a.
Comparison Rate
4.28% p.a.
90% 80%
Investor, P&I
4.08% p.a.
Comparison Rate
4.13% p.a.
90% 80%
Owner Occupier, IO
4.15% p.a.
Comparison Rate
3.87% p.a.
80% 80%
Owner Occupier, P&I
3.75% p.a.
Comparison Rate
3.80% p.a.
90% 80%
Product NameCUA Achieve Variable Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$100,000
Maximum Loan Amount$5,000,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR90%
Mortgage Offset AccountYes
Mortgage 100% OffsetNo
Loan Redraw FacilityYes
Suitable for InvestmentYes
Extra RepaymentYes
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$600
Valuation Fee$0
Ongoing Fees$0 p.a.
Settlement Fee$235
Discharge Fee$500


  • Partial offset account
  • Flexible repayments


  • $600 application fee
  • $235 settlement fee
  • $500 discharge fee

What do I need to know about this loan?

The CUA Achieve Variable Home Loan is available for principal and interest or interest-only repayments. It has options for investors, owner-occupiers and construction of a home or investment property. In short, there's an option for most borrowers.

The Achieve Variable comes with a multi-account partial offset that lets you offset up to $15,000 of the combined balances of your CUA Everyday accounts.

What are the features and benefits of the CUA Achieve Variable Home Loan?

  • Loan amount and purpose. The CUA Achieve Variable Home Loan has a minimum borrowing amount of just $100,000 and a maximum borrowing amount of $5,000,000, making it suitable for most borrowers.
  • Repayment flexibility. You can make unlimited extra repayments without penalty, giving you the flexibility to pay off your loan faster if it suits.
  • Loan-to-value ratio. You can borrow between 80 and 90% LVR depending on the purpose of your loan. But be aware that an LVR of more than 80% means you need to pay lenders mortgage insurance (LMI) or find a guarantor.
  • No ongoing fees. You won't need to pay any ongoing fees with a CUA Achieve Variable loan. But there are one-off discharge and settlement fees.

What fees and charges come with this loan?

  • Application fee: $600. This is a one-off fee to cover the cost of processing your mortgage application.
  • Settlement fee: $235. This fee covers the costs of funding your home loan.
  • Discharge fee: $500. The discharge fee is charged when you close your home loan account either by paying off your loan or refinancing.

How do I apply for this loan?

If you're interested in the CUA Achieve Variable Home Loan click the green button above and follow the application process to speak to a CUA mortgage specialist.

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CUA Achieve Variable Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $600 / $0

  • Max LVR


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