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.

“Life rich banking.” (CUA)

Loan Options: What CUA home loans offer

Here’s a snapshot of CUA’s variable home loans currently on offer for a refinance loan amount of $350,000 in NSW. To compare other home loans, please click here.

The table below displays a snapshot of the lowest rate 5-Star rated variable home loan products on Canstar’s database. This table is sorted by ‘current rate’ (lowest to highest), then by provider name (alphabetically).

Compare Home Loans with Canstar

The inclusions below represent a selection of the features available with a standard variable rate home loan for an owner occupier. 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. Please ensure that you read the product disclosure statement (PDS) to determine all the current loan terms and conditions for the product you are considering.

CUA variable home loan features

  • Offset account facility available (100% offset account)
  • Redraw facility available
  • No annual or monthly ongoing fees
  • Additional repayments allowed
  • Repayments may be made weekly, fortnightly, or monthly

What type of home loans does CUA offer?

At the time of writing, CUA offers the following types of home loans:

  • Variable rate home loan
  • Fixed rate home loan
  • Introductory rate home loan
  • Line of credit home loan

Find out about how different types of home loans work here.

See our comparison tables for details of CUA home loans:

Compare Compare home loans

How to apply for a CUA home loan

You can apply for a CUA home loan by clicking on one of their products in the Canstar home loans comparison tables. If you need extra help to apply, you can call CUA on 133 282 (open Mon-Fri 8am-8pm, Sat-Sun 8am-4pm).

Follow our applying for a home loan checklist, and use the Canstar website to compare CUA home loans with other home loans before choosing a product that suits your needs:

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CUA Home Loan FAQs

Yes, CUA allows you to make unlimited additional repayments on their variable rate home loan and additional repayments of up to $5,000 during the fixed term of any fixed rate home loan. Terms and conditions apply; contact your lender for details.

Find out how making extra repayments could save money in interest over the life of your loan in this article or use our Extra Repayments Calculator for yourself:

Home Loans Extra Repayments Calculator – Canstar

Yes, CUA offers a free redraw facility on both their fixed and variable rate home loans. Fees and charges may apply to use of a redraw facility; contact your lender for details or learn more about redraw facilities here.

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

CUA allows you to make payments via direct debit, internet banking, BPAY, bank transfer, or cheque. They also offer you the choice of making weekly or fortnightly payments.

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

Compare Home Loans

CUA stands for Credit Union Australia and it was founded in 1946 by Jack Harvey, as a merger between three small Queensland-based credit unions.

Today it is Australia’s largest customer-owned financial institution, and their profits come back to their customers as better rates and lower fees. According to their website at the time of writing, a new member joins CUA every 10 minutes, every working day.

Some of CUA’s earliest innovations included a field office operating out of a caravan to serve their regional customers in the 1960s to 1970s. CUA is now acclaimed as an employer of choice when it comes to gender equality, winning the WGEA award in 2011, 2014, and 2015.

CUA supports the Australian community in particular through children and schools. CUA Community Care gave $75,000 in grants in 2015 to the school projects across Australia that receive the most votes. They also regularly give $5,000 grants to reward schools for fighting childhood obesity with School Fun Runs and health eating initiatives. They also have been sponsoring SIDS and Kids (SNK) since 2014.

Source: CUA

They also sponsor innovation for the community. CUA sponsors entrepreneurs through the annual River City Labs start-up mentoring and networking program. And the CUA Hackathon is another major innovation event:

Source: CUA

Disaster relief packages were made available to customers affected by Cyclones Marcia and Lam. And every year, natural disasters or not, employees receive one day of leave per year to volunteer for the charity or cause they care about.

CUA also supports the environment through the Credit Union Foundation Australia (CUFA). This foundation develops grassroots-to-government solutions for credit unions to improve sustainability and relieve poverty in their region.

Join the conversation about home loans and promotional offers on CUA products by following their Facebook or Twitter accounts.

Source: CUA

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CUA Advanced Variable Owner Occupier P&I

Canstar Research
Rating:
Award: Outstanding Value Home Loan

Written by: James Hurwood | Last updated: June 30, 2017