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CUA home loans

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

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.

Rates last updated April 24th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.75%
3.80%
$600
$0 p.a.
90%
Competitive variable rate mortgage with a partial offset account. Get this loan with a 10% deposit.
3.99%
5.35%
$600
$0 p.a.
90%
Competitive rates for fixed for 3 years with redraw facility.
3.75%
5.02%
$600
$0 p.a.
95%
Pay no ongoing fees on a fixed rate home loan with flexible repayment options

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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 a100% 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 have 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

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Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

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4 Responses

  1. Default Gravatar
    edJuly 25, 2016

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

    ed

    • finder Customer Care
      LouJuly 25, 2016Staff

      Hi Ed,

      Thanks for your question.

      Please note that finder.com.au is an online comparison service and is not in a position to recommend specific home loan products.

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

      Cheers,
      Anndy

  2. Default Gravatar
    karenMarch 23, 2015

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

    • finder 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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