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Home loans

CUA Premium Fixed Rate

 

Why choose this home loan?

Save on the amount of interest you pay and reduce your loan term with free Multi-Account Offset. Offset up to $50,000 of the combined balances of your CUA everyday accounts during your fixed term ><>|>.
Have free access to your additional home loan repayments with redraw, so you can use it whenever you need some breathing space.>|
With no annual or monthly fees you can save thousands of dollars over the life of your loan, leaving you with more money to spend on the small joys=.
Gives you the flexibility to make up to $50,000 in total extra repayments during your fixed term>>.
Choose to set your repayments to either monthly, fortnightly or weekly to suit your income and budget. Also choose between principal and interest or interest only options. (Interest Only payable monthly)
Lock in your rate for either 1, 2, 3 or 5 years so you can budget with more certainty, knowing your home loan repayments won’t change even if the market does.
Win $5,000 paid off your CUA Home Loan
Simply get a CUA Health Insurance email quote to be in the draw to win*.
Get a quote now

CUA Premium Fixed Rate Home Loan

Eligibility

  • 95% maximum Loan to Valuation Ratio (LVR) – including Lenders Mortgage Insurance (LMI)

You must be:

  • Over 18 years of age
  • A permanent resident of Australia

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Compare our home loan rates

 

Owner occupier

Investor

Fixed term Interest rate# Comparison rate* Interest rate# Comparison rate*
1 year 4.16%p.a. 4.69%p.a. 4.26%p.a. 5.07%p.a.
2 year 4.18%p.a. 4.65%p.a. 4.28%p.a. 5.00%p.a.
3 year 4.21%p.a. 4.61%p.a. 4.31%p.a. 4.94%p.a.
5 year 4.60%p.a. 4.71%p.a. 4.70%p. 4.99%p.a.

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 connect with one of our home loan 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.

See important information below

Calculate

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Important information Important information Show content

Results are based on a single, full time PAYG income with no dependants. Any upfront costs that may be associated with the loan are capitalised in the loan amount. The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The actual amount you can borrow may vary depending on factors including your verifiable net income, other debts or liabilities you have and the number of dependents you have. Lending is to approved applicants only and all lending is subject to a detailed credit assessment.

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

Assumptions

Expense Details and Default Values
The calculator initially assumes that the borrower has a minimum set of annual expenses of $16,500.
Maximum percentage of income available - currently set at 100% of income

Month
All months are assumed to be equal. In reality, many loans accrue on a daily basis this can lead to varying interest in different months.

Number of Weeks & Fortnights in a Year
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus the assumption is for a 364 day year.

Rounding
The calculator uses the unrounded payment to derive the amount of interest accrued over the full term of the deposit, however, institutions round repayments to the nearest cent.


Important information Important information Show content

The calculations provided are estimates only and based upon the information entered into the calculator by the user. The calculations do not include upfront or continuing credit fees and charges. The resulting calculations do not constitute a loan application or variation to an existing CUA facility, loan offer or loan approval.

Rates current as at 13 September 2016 and subject to change.

Your needs and financial circumstances have not been taken into account. Terms, conditions and Lending critieria apply and are available on application. Other fees and charges may apply. A General Information , Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

Comparison rate calculated on a $150,000 secured loan over a term of 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.

$
Will this be your primary place of residence?
Do you want a fixed or variable rate?
Do you require an offset facility?
Do you require a redraw facility?

Your results

Max LVRΔ
Fixed/variable
Interest rate
Comparison rate*

Products

  • CUA Fresh Start Variable ~

    4.11 % p.a. (Owner occupier)4.12 % p.a. (Comparison rate*)

    More info
  • CUA Fresh Start Basic Variable ~

    3.89 % p.a. (Owner occupier)3.94 % p.a. (Comparison rate*)

    More info
  • CUA Fresh Start Access Variable ~

    4.16 % p.a. (Owner occupier)4.17 % p.a. (Comparison rate*)

    More info
  • CUA Rate Breaker Package ^

    4.25 % p.a. (Owner occupier)4.60 % p.a. (Comparison rate*)

    More info
  • CUA Basic Variable

    4.68 % p.a. (Owner occupier)4.73 % p.a. (Comparison rate*)

    More info
  • CUA Standard Variable

    4.69 % p.a. (Owner occupier)4.74 % p.a. (Comparison rate*)

    More info
  • CUA Premium Fixed Rate 3 Year #

    4.21 % p.a. (Owner occupier)4.61 % p.a. (Comparison rate*)

    More info
  • CUA Kick Start Variable for Investors 1,2

    NA % p.a. (Owner occupier)NA % p.a. (Comparison rate*)

    More info
  • CUA Fixed Rate 3 Year #

    3.99 % p.a. (Owner occupier)4.56 % p.a. (Comparison rate*)

    More info
  • CUA Equity Line of Credit

    5.56 % p.a. (Owner occupier) % p.a. (Comparison rate*)

    More info
Offset account>< Free redraw available>| Flexible payments without penalty No monthly account keeping fees No establishment fees Interest only option Available for construction Split loan available Further advances Max LVRΔ
Owner Occupier
Available Available Available Available Available Available Available Available Available 80 %
Not Available Available Available Available Not Available Available Available Available Available 80 %
Available Available Available Available Available Available Available Available Available 95 %
Available Available Available Available Available Available Available Available Available 95 %
Not Available Available Available Available Not Available Available Available Available Available 95 %
Available Available Available Available Not Available Available Available Available Available 95 %
Up to $50,000 can be offset during fixed term>|> Available Up to $50,000 extra repayments during fixed term Available Not Available For fixed term only Available Available Not Available 95 %
Available Available Available Available Not Available Reverts to P&I after 1 year Available Available Not Available NA %
Not Available Available Up to $5,000 extra repayments during fixed term Available Not Available For fixed term only Available Available Not Available 95 %
Not Available Not Available Available Available Not Available Available Not Available Not Available Available 80 %

Important information Important information Show content

Rates current as at 13 September 2016 and subject to change.

Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weeklyor fortnightly basis

Your needs and financial circumstances have not been taken into account. Terms, conditions and Lending criteria apply and are available on application. Other fees and charges may apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

The "Choose your own CUA home loan" tool is an indication only. Results do not represent pre-qualification for a home loan.

* Comparison rate calculated on a $150,000 secured loan over a term of 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.

# On expiration of the fixed period, reverts to the current standard variable rate.

>< Offset is not available on all home loan products. You must maintain a minimum balance of $500 in each offset account to obtain the benefit of the offset from that account. Your offset account will not earn any interest.

>| A $200 minimum withdrawal amount applies for redraws conducted in-branch.

^ For CUA Rate Breaker, a minimum floor interest rate of 3% currently applies. Interest rate discount, minimum floor interest rate and package terms and conditions apply and are subject to change.

~ New lending only with CUA or additional lending of $50,000 on existing loans.

Δ Maximum Loan to Value Ratio (LVR) is inclusive of Lenders Mortgage Insurance (LMI) where applicable.

>> A daily transfer will refund any amounts paid in advance in excess of the total advance repayments allowed during the fixed rate period (being $50,000 for Premium Fixed and $5,000 for Fixed) unless sufficient to pay out the loan in full (in which case an Early Payout Fee may apply). Excess funds will be transferred to the nominated deposit account, which must remain open for the fixed rate period.

= Early payout fee will apply if the loan is terminated during the fixed period.

>|> For Premium Fixed Home Loans, any amount in excess of $50,000 in offset accounts will not be taken into account when calculating interest.