CUA Home Loans

CUA is a provider of home loans, credit cards, personal loans, savings accounts, health insurance, home insurance, car insurance, and travel insurance.

What home loans does CUA offer?

If you’re currently considering a home loan, the comparison table below displays some of the variable rate home loans on our database from CUA that are available for first home buyers. This table is sorted by Star Rating (highest to lowest), followed by comparison rate (lowest-highest). Products shown are principal and interest home loans available for a loan amount of $350K in QLD with an LVR of 80% of the property value. Before committing to a particular home loan product, check upfront with your lender and read the applicable loan documentation to confirm whether the terms of the loan meet your needs and repayment capacity. Use Canstar’s home loan selector to view a wider range of home loan products.

*Comparison rate based on loan amount of $150,000 and a term of 25 years. Read the Comparison Rate Warning

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CUA home loan features

Depending on which option you choose, a CUA home loan may include the following features:

  • No annual or monthly ongoing fees on selected loans
  • Offset account facilities up to 100% on selected loans
  • Optional redraw facilities
  • Additional repayments allowed (limits apply on some loans)
  • Repayments may be made weekly, fortnightly, or monthly

The inclusions above represent a selection of the features available with CUA home loans. Canstar is not making any suggestion or recommendation to you about this product. Additional conditions may apply to different features. Please see our comparison tables for more detailed information about products on offer from this provider. Check upfront with CUA and please ensure that you read the product disclosure statement (PDS) or other loan documentation to determine all the current loan terms and conditions for the product you are considering and whether it meets your needs, before committing to it.

CUA Home Loan FAQs

Before getting started, you might first like to take a look at our applying for a home loan checklist for some pointers, and use the Canstar website to compare home loans with other providers before choosing a product that suits your needs

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If you decide to apply for a CUA home loan, you can do this online, over the phone, or by making an enquiry through the CUA website.

At the time of writing, CUA allows you to make unlimited additional repayments on its variable rate home loans and additional repayments of up to $5,000 during the fixed term of any fixed rate home loan. Terms and conditions may apply. Contact CUA or visit the CUA website for details.

To give you an idea of how making extra repayments could save money in interest over the life of your loan, you might like to try our Extra Repayments Calculator.

Home Loans Extra Repayments Calculator – Canstar

Yes, at the time of writing, CUA offers a free redraw facility on both its fixed and variable rate home loans. A $200 minimum withdrawal amount applies for in-branch redraws.

Fees, charges and limits may apply to CUA customers who use a redraw facility. Contact CUA or visit the website for more details.

Please note redraw is not available on CUA’s Equity Line of Credit products.

If you’re in the market for a home loan, you can compare your home loan options with Canstar.

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CUA, or Credit Union Australia, was founded in 1946 by Jack Harvey as a merger between three small Queensland-based credit unions. According to the CUA website, it is currently Australia’s largest customer-owned financial institution and provides financial and insurance products to over 500,000 Australians. 

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Written by: Eliza Parry-Okeden | Last updated: September 19, 2019