CUA home loans comparison | Finder

CUA home loans

Home loans from one of Australia's largest customer-owned brands.

CUA

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On this page you can find information about CUA home loans. Skip ahead to the full table of products or read more about the lender.

Compare CUA home loans

Compare CUA home loan products below and hit "load more" to see a fuller selection of loans. "Go to site" will direct you to CUA's website for the product you selected.

Data updated regularly
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years
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
CUA Achieve Variable Home Loan
2.35%
2.4%
$600
$0 p.a.
95%
$582.16
Home buyers can get a competitive, low-fee variable rate plus a 100% offset account. Low deposit option available. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs. Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA.
CUA Achieve Variable Home Loan
2.66%
2.71%
$600
$0 p.a.
90%
$606.34
CUA Fixed Rate Home Loan
1.97%
3.86%
$600
$0 p.a.
95%
$553.31
Pay no ongoing fees and lock in your rate for 3 years to organise your budget. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA.
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CUA lender profile

  • CUA, formerly known as Credit Union Australia, offers home loans, transaction and savings accounts, personal loans, credit cards, insurance and financial planning.
  • As a 100% customer-owned institution, CUA is able to reinvest profits to help it offer affordable home loan options by reducing fees and interest rates.

CUA mortgage features

CUA offers competitive fixed and variable rate mortgages for owner occupiers and investors.

FeatureDetails
Deposit sizeMost CUA home loans let you borrow 90-95% of your property's value.
RedrawMost CUA products allow you to redraw extra repayments from your mortgage.
Offset accountSeveral CUA home loans come with a 100% offset account, including the CUA Achieve Variable.

How do I apply for a CUA mortgage?

Clicking "Go to Site" on CUA's comparison table will start your application process and redirect you through to CUA's website.

Eligibility

Each CUA product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with CUA you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

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6 Responses

    Default Gravatar
    DonOctober 11, 2019

    Is there any Exit fees if i want to pay a loan out early ?

      Default Gravatar
      NikkiOctober 12, 2019

      Hi Don,

      Thanks for your comment.

      Yes, there are exit fees with CUA if you deem you can pay out early. It is called an early payout fee. You can find the actual cost of this fee by going to the PDS and loan policy of the product when you apply at CUA.

      Hope this clarifies and best of luck with your application! As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      You may also seek assistance from a mortgage broker as they will take your circumstances into account and give you a multitude of home loan options.

      Hope this helps and feel free to reach out again as needed.

      With care,
      Nikki

    Default Gravatar
    edJuly 25, 2016

    Hi,
    Am looking for a good land loan. What would you recommend?

    ed

      Avatarfinder Customer Care
      DeeJuly 25, 2016Staff

      Hi Ed,

      Thanks for your question.

      If you are looking to apply for a loan to buy land, you can compare vacant land home loans.

      Cheers,
      Anndy

    Default Gravatar
    karenMarch 23, 2015

    Would like to know the interest rates and the rates for switching banks. Best rates

      Avatarfinder Customer Care
      MarcMarch 24, 2015Staff

      Hi Karen,
      thanks for the question.

      This page displays all of CUA’s current home loan rates in the table above. To negotiate a better rate for your business you might want to lodge an enquiry directly with CUA, which you can do by clicking ‘Go to Site’ on any of the products in the table above.

      I hope this helps,
      Marc.

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