Home Loans
Looking to refinance, buy an investment property or your first home? We have home loans for all your needs.
Compare home loans
Calculators
How to guides
Compare home loans

Compare and find a home loan that’s right for you

You may need to pay lenders mortgage insurance (LMI) because your loan to value ratio (LVR) is more than 80%.
Loan purpose
Loan type
Achieve Variable
Our low variable rate home loan with offset up to $15,000.
Interest rate
6.79
%
p.a.
Comparison rate^
7.16
%
p.a.
Repayments
$1,922
Monthly
Borrowing $500,000 over 30 years paying principal and interest. Repayments are an estimation only.*
Features
No ongoing fees
Offset up to $15,000
Free redraw
Comparison rate warning and T&Cs apply
New and additional lending only and subject to eligibility.
Accelerate Variable
100% offset premium home loan.
Interest rate
6.79
%
p.a.
Comparison rate^
7.16
%
p.a.
Repayments
$1,922
Monthly
Borrowing $500,000 over 30 years paying principal and interest. Repayments are an estimation only.*
Features
No ongoing fees
100% Multi-Account Offset
Free redraw
Comparison rate warning and T&Cs apply
New lending only and subject to eligibility.
Fixed Rate
Low fixed rate with flexibility to pay extra.
6.79
%
p.a.
Comparison rate^
7.16
%
p.a.
Repayments
$1,922
Monthly
Borrowing $500,000 over 30 years paying principal and interest. Repayments are an estimation only.*
Features
No ongoing fees
$5,000 total in extra repayments
Free redraw
Comparison rate warning and T&Cs apply
Subject to eligibility. Rate period applies
Calculators

Crunch the numbers with our home loan calculators

How much can I borrow?
Repayments calculator
Extra repayments
Upfront costs calculator
Lump sum repayments
Multi-account offset
Split loan calculator
How much can I borrow?

How much can I borrow?

Quickly estimate how much you can borrow and what it will cost.

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.

and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). If you are borrowing more than 80% of the value of the property, Lenders Mortgage Insurance may apply. Any of these additional amounts will increase repayments under the loan.

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 $17,004.
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.

Repayments calculator

Repayments calculator

Estimate what your repayments may be.

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 18 December 2020 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.

Extra repayments

Extra repayments

The results from this calculator should be used as an indication only and is based on the accuracy of the information you provided. 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.

Upfront costs calculator

Upfront costs calculator

Estimate what your repayments may be.

The results from this calculator should be used as an indication only and is based on the accuracy of the information you provided.

Lump sum repayments

Lump sum repayments

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.

Multi-account offset

Multi-account offset

Rates current as at 18 December 2020 and subject to change.

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.

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.

Split loan calculator

Split loan calculator

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.

How to guides

Our how to guides for every home buying stage

First home

Discover all the steps towards owning your first home.

Learn more
Refinancing

Thinking of refinancing your home loan? Find out all you need to know.

Learn more
Investing

Wanting to buy an investment property? We can help you start or grow your portfolio.

Learn more
Next home

Need more room or wanting to downsize?  We’re here to help you find the perfect fit.

Learn more
Renovating

Whether it’s a new bathroom, kitchen or an extension, we’ve got you covered.

Learn more
Building

Whether it’s a new bathroom, kitchen or an extension, we’ve got you covered.

Learn more

Latest Home Loan Offers

Refinance with CUA and enjoy a $2000 reward!

Switch to an eligible home loan and get a $2000 pre‑paid digital Mastercard® (to spend on whatever you like).

Score 0% p.a. on balance transfers for 20 months with a CUA Credit Card

Get 0% interest on balance transfers for 20 months and $0 balance transfer fee with a CUA Low Rate or Platinum Credit Card.

Why we're different

  • We're Australia's largest member-owned banking organisation
  • 70 years of putting members before profits
  • Focussed on supporting the community
My loan expert was wonderful. So knowledgeable, so helpful and above all a friendly and trustworthy person.
Ivana, NSW
CUA Member

Once, twice, three times a winner.

We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!

Have you thought about?

Everyday Account

An everyday account for everyone aged 18+

Home & Contents Insurance

Protect your home and your valuables.

Home loan tips & tricks

Read more on home ownership

Fixed versus variable: What’s the difference in a nutshell?

Before you refinance your home loan to save money, read about the most common refinancing mistakes. It could just save you.

Most common mistakes when refinancing

Before you refinance your home loan to save money, read about the most common refinancing mistakes. It could just save you.

What to consider if you’re looking for an investment property during COVID-19

Buying an investment property in a pandemic is a crazy idea, right? Well, maybe not. Here’s five things to consider if you’re thinking about wading into the world of property investment.

Important Information

Rates, including the rates by which loans are discounted, are current as at 18 December 2020 and subject to change.

Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions and fees apply.

^ Comparison rate accurate for $150,000 secured loan over 25 years. 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.

* Repayment is indicative only based on the stated information. Changes in interest rates, repayment frequency and loan term will affect the repayment amount. The calculations do not take into account fees, charges or other amounts that may be charged to the loan (such as establishment fees and security administration fees). If you are borrowing more than 80% of the value of the property, Lenders’ Mortgage Insurance may apply. Any of these additional amounts will increase the repayments under the loan. Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options.