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4.84% p.a.2 5.30% p.a.3comparison rate
Canstar Outstanding Value for Home Loans

Fees

Other fees may apply
New loan establishment   $600
Monthly account keeping   $0

Award winning fixed rate home loan with flexible features and competitive fixed interest rates

Save on your interest with a free 100% Multi-Account Offset on your eligible home loan, simply by using an eligible CUA offset account for your everyday banking.1

With a CUA Premium Fixed Rate home loan:

  • Outstanding value – Awarded “five stars” for outstanding value by CANSTAR 2013
  • Redraw facility on advanced repayments
  • Interest only repayment option for investment loans
  • Make lump sum repayments without penalty
  • No monthly account keeping fees
  • Loans available for construction
  • You also receive extra free transactions on your CUA savings account.

If you've borrowed more than $250,000, your home loan will automatically revert to our Discount Variable Rate home loan at the end of your fixed rate term. If your home loan is less than $250,000, it will automatically revert to our Standard Variable home loan.

Enquire

How to apply for a home loan online.

Compare our Premium Fixed Rate home loan rates

Fixed rate term Interest rate Comparison rate
1 year 4.99%p.a. 2 5.41%p.a. 3
2 years 4.99%p.a. 2 5.38%p.a. 3
3 years 4.84%p.a. 2 5.30%p.a. 3
5 years 5.30%p.a. 2 5.41%p.a. 3

Looking for a low interest fixed rate home loan to help you pay off your home sooner? Check out our Fixed Rate home loan.

** This result is indicative only. The actual amount you can borrow may vary depending on factors including your actual net income, other debts or liabilities you hold and the number of dependents you have.

^^ Repayment is for principal and interest. This repayment is indicative only based on the stated information. Changes in interest rates, repayment frequency and loan term will affect the repayment amount.

How to apply

For more information, please call 133 282 between 8:00am - 9:00pm (AEDT) Monday to Friday or 8:00am - 4:00pm (AEDT) Saturday and Sunday.

1You must maintain a minimum balance of $500 in each offset account to obtain the benefit of the offset from that account. No credit interest will accrue to your offset account.

2 Rates current as at 4 November 2014 and are subject to change. On expiration of the fixed rate period, reverts to the current standard variable rate or, for loans of $250,000 or more, the discount variable rate.

3 Comparison rate calculated on a loan of $150,000 over 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. CANSTAR CANNEX Home Fees, charges, terms & conditions and lending criteria apply. Full details available on application.

Use this list to find out what information we need to complete your home loan application.

I'm looking to buy

1. Details of what you earn

  • Your two latest pay slips showing the year-to-date gross income (before taxes and deductions)
  • Last year's payment summary (Group Certificate) or your most recent tax assessment
If you are self-employed, we ask for a copy of your two latest tax returns, as well as profit and loss statements for the past two years, and your most recent tax assessment.

2. Your savings record

  • Account statements
3. Details of your assets
  • The value of any investments or other assets you own, including things like furniture, leisure items, vehicles and superannuation

4. Details of what you owe

  • The amount you owe on existing loans, credit cards, store charge cards and any other debts

5. A copy of the signed contract of sale

6. A copy of the receipt you received when you paid your deposit

7. A copy of your building specifications, if you are building a new home

Start your online home loan application now with CUA.

Refinancing

1. Details of what you earn

  • Your two latest pay slips showing year-to-date gross income (before taxes and deductions)
  • Last year's payment summary (Group Certificate) or your most recent tax assessment.

If you are self-employed, submit a copy of your two latest tax returns, as well as profit and loss statements for the past two years, and your most recent tax assessment.

2. Your savings record

  • Account statements

3. Details of your assets

  • The value of any investments or other assets you own, including things like furniture, leisure items, vehicles and superannuation

4. Details of what you owe

  • The amount you owe on existing loans, credit cards, store charge cards, other loans and any other debts

5. The last six months of statements for your existing home loan from the financial institution you currently have your loan with

6. A rates notice

Start your online home loan application now with CUA.


Request a home loan key fact sheet

Home Loan Key Facts Sheets are part of the Australian Government’s banking reforms effective 1 January 2012.

The Key Facts Sheet outlines loan information in a standardised format used by all financial institutions, therefore allowing you to compare CUA home loan products against those available from competitor institutions.

The Key Facts Sheet highlights important information, such as the total amount to be paid back over the life of a loan, and what the expected repayment is for every dollar borrowed.

Please contact one of our lending specialists to further discuss our product offering and the best suited product for your situation.

For more information on choosing the right home loan for you, you may also wish to visit the ASIC consumer website.

For more information on home loan key fact sheets please view the frequently asked questions.

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