Why choose a 2 Year Fixed home loan

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)
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 $5,000 in total extra repayments during your fixed rate term >>.
Have free access to your additional home loan repayments with redraw, so you can use it whenever you need some breathing space.>|
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.

I'm an
Owner Occupier

Fixed Term#: 2 Years

Interest Rate: 3.84%p.a.

Comparison Rate*: 4.59%p.a.

I'm an

Fixed Term#: 2 Years

Interest Rate: 4.09%p.a.

Comparison Rate*: 4.96%p.a.

2 Year Fixed Rate Home Loan


  • 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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Bonus: CUA Platinum Credit Card with no annual fee
Take out a new home loan with CUA and you could get a $0 Annual Fee CUA Platinum Credit Card.* Speak to your lender today.

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* Terms and conditions apply.

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

Speak to our Dream Team

CUA's Dream Team are your home loan specialists.
They can help you plan ahead with a great 2 Year Fixed Home Loan so you can enjoy more of the moments that make life rich.

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Important information Important information Show content

Rates current as at 22 March 2017 and subject to change.

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

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959 AFSL and Australian Credit License 238317 to approved applicants only. Lending criteria, terms, conditions, fees and charges apply. Ask us for details.

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.

>> 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.

^ 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.

>< 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.

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