CUA home loan rates
CREDIT UNION SA LTD · ACL 241066 · Mutual/Credit union
Rates as at 2026-10-20. 53 rates across 53 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Package Variable Special Offer - Principal & Interest - Owner Occupied ≤60% LVR | 6.29% | 6.66% | Variable | Owner occupier | P&I | LVR <=60% |
| XL Construction Package ≤60% LVR ☉︎#§︎★︎☆︎ | 6.29% | 6.65% | Variable | Investment | P&I | LVR <=60% |
| XL Variable Package ≤60% LVR ☉︎§︎★︎ | 6.29% | 6.66% | Variable | Investment | P&I | LVR <=60% |
| Package Variable Special Offer - Principal & Interest - Owner Occupied ≤80% LVR | 6.34% | 6.71% | Variable | Owner occupier | P&I | LVR <=80% |
| XL Construction Package ≤80% LVR ☉︎#§︎★︎☆︎ | 6.34% | 6.70% | Variable | Investment | P&I | LVR <=80% |
| XL Variable Package ≤80% LVR ☉︎§︎★︎ | 6.34% | 6.71% | Variable | Investment | P&I | LVR <=80% |
| Package Variable Special Offer - Principal & Interest - Investment ≤60% LVR ☉︎§︎ | 6.49% | 6.85% | Variable | Investment | P&I | LVR <=60% |
| Package Variable Special Offer - Principal & Interest - Investment ≤80% LVR ☉︎§︎ | 6.54% | 6.90% | Variable | Investment | P&I | LVR <=80% |
| Package Variable Special Offer - Interest Only - Investment ≤60% LVR ☉︎#§︎ | 6.74% | 7.49% | Variable | Investment | Interest only | LVR <=60% |
| Package Variable Special Offer - Interest Only - Investment ≤80% LVR ☉︎#§︎ | 6.79% | 7.51% | Variable | Investment | Interest only | LVR <=80% |
| Low Deposit Package Variable - Principal & Interest - Owner Occupied ≤97% LVR ☉︎ | 7.24% | 7.59% | Variable | Owner occupier | P&I | LVR <=97% |
| XL Construction Package ≤97% LVR ☉︎#µ︎§︎★︎☆︎ | 7.24% | 7.59% | Variable | Investment | P&I | LVR <=97% |
| XL Variable Package ≤97% LVR ☉︎µ︎§︎★︎ | 7.24% | 7.59% | Variable | Investment | P&I | LVR <=97% |
| Discounted Variable - Principal & Interest - Owner Occupied ≤97% LVR µ︎^§︎ | 7.29% | 7.32% | Variable | Owner occupier | P&I | LVR <=97% |
| Package Variable - Principal & Interest - Investment ≤97% LVR ☉︎§︎ | 7.49% | 7.84% | Variable | Investment | P&I | LVR <=97% |
| Standard Variable - Principal & Interest - Owner Occupied ≤97% LVR µ︎^§︎ | 7.49% | 7.54% | Variable | Owner occupier | P&I | LVR <=97% |
| Discounted Variable - Principal & Interest - Investment ≤97% LVR µ︎§︎ | 7.54% | 7.57% | Variable | Investment | P&I | LVR <=97% |
| Package Variable - Interest Only - Investment ≤80% LVR ☉︎#§︎ | 7.74% | 7.93% | Variable | Investment | Interest only | LVR <=80% |
| Standard Variable - Principal & Interest - Investment ≤97% LVR µ︎§︎ | 7.74% | 7.79% | Variable | Investment | P&I | LVR <=97% |
| Discounted Variable - Interest Only - Investment ≤80% LVR #§︎ | 7.79% | 7.68% | Variable | Investment | Interest only | LVR <=80% |
| Standard Variable - Interest Only - Investment ≤80% LVR #§︎ | 7.99% | 7.90% | Variable | Investment | Interest only | LVR <=80% |
| Discounted Variable - Interest Only - Owner Occupied ≤80% LVR #µ︎^§︎ | 8.09% | 7.67% | Variable | Owner occupier | Interest only | LVR <=80% |
| Standard Variable - Interest Only - Owner Occupied ≤80% LVR #^§︎ | 9.39% | 8.51% | Variable | Owner occupier | Interest only | LVR <=80% |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Package 3 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎µ︎^§︎ | 6.24% | 6.82% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=97% |
| XL Package 3 year Fixed ≤80% LVR ☉︎§︎★︎ | 6.24% | 7.30% | Fixed | Investment | P&I | 3 yr fixed · LVR <=80% |
| Package 2 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎µ︎^§︎ | 6.34% | 6.86% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=97% |
| XL Package 2 year Fixed ≤80% LVR ☉︎§︎★︎ | 6.34% | 7.41% | Fixed | Investment | P&I | 2 yr fixed · LVR <=80% |
| Package 3 year Fixed - Principal & Interest - Investment ≤97% LVR ☉︎µ︎§︎ | 6.49% | 7.55% | Fixed | Investment | P&I | 3 yr fixed · LVR <=97% |
| Package 2 year Fixed - Principal & Interest - Investment ≤97% LVR ☉︎µ︎§︎ | 6.59% | 7.65% | Fixed | Investment | P&I | 2 yr fixed · LVR <=97% |
| Package 3 year Fixed - Interest Only - Investment ≤80% LVR ☉︎#§︎ | 6.74% | 7.61% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=80% |
| Package 1 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎µ︎^§︎ | 6.79% | 6.93% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=97% |
| XL Package 1 year Fixed ≤80% LVR ☉︎§︎★︎ | 6.79% | 7.55% | Fixed | Investment | P&I | 1 yr fixed · LVR <=80% |
| Package 2 year Fixed - Interest Only - Investment ≤80% LVR ☉︎#§︎ | 6.84% | 7.70% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=80% |
| Home Loan 3 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR µ︎^§︎ | 7.04% | 7.41% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=97% |
| Package 1 year Fixed - Principal & Interest - Investment ≤97% LVR ☉︎µ︎§︎ | 7.04% | 7.79% | Fixed | Investment | P&I | 1 yr fixed · LVR <=97% |
| Package 3 year Fixed - Interest Only - Owner Occupied ≤80% LVR ☉︎#^§︎ | 7.04% | 7.03% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=80% |
| Home Loan 2 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR µ︎^§︎ | 7.14% | 7.47% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=97% |
| Package 2 year Fixed - Interest Only - Owner Occupied ≤80% LVR ☉︎#^§︎ | 7.14% | 7.01% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=80% |
| Home Loan 3 year Fixed - Principal & Interest - Investment ≤97% LVR µ︎§︎ | 7.29% | 7.65% | Fixed | Investment | P&I | 3 yr fixed · LVR <=97% |
| Package 1 year Fixed - Interest Only - Investment ≤80% LVR ☉︎#§︎ | 7.29% | 7.81% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=80% |
| XL Package 3 year Fixed ≤97% LVR ☉︎µ︎§︎★︎ | 7.29% | 7.61% | Fixed | Investment | P&I | 3 yr fixed · LVR <=97% |
| Home Loan 2 year Fixed - Principal & Interest - Investment ≤97% LVR µ︎§︎ | 7.39% | 7.72% | Fixed | Investment | P&I | 2 yr fixed · LVR <=97% |
| XL Package 2 year Fixed ≤97% LVR ☉︎µ︎§︎★︎ | 7.39% | 7.63% | Fixed | Investment | P&I | 2 yr fixed · LVR <=97% |
| Home Loan 3 year Fixed - Interest Only - Investment ≤80% LVR #§︎ | 7.54% | 7.73% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=80% |
| Home Loan 1 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR µ︎^§︎ | 7.59% | 7.55% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=97% |
| Package 1 year Fixed - Interest Only - Owner Occupied ≤80% LVR ☉︎#^§︎ | 7.59% | 7.01% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=80% |
| Home Loan 2 year Fixed - Interest Only - Investment ≤80% LVR #§︎ | 7.64% | 7.77% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=80% |
| Home Loan 1 year Fixed - Principal & Interest - Investment ≤97% LVR µ︎§︎ | 7.84% | 7.80% | Fixed | Investment | P&I | 1 yr fixed · LVR <=97% |
| Home Loan 3 year Fixed - Interest Only - Owner Occupied ≤80% LVR #^§︎ | 7.84% | 7.64% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=80% |
| XL Package 1 year Fixed ≤97% LVR ☉︎µ︎§︎★︎ | 7.84% | 7.66% | Fixed | Investment | P&I | 1 yr fixed · LVR <=97% |
| Home Loan 2 year Fixed - Interest Only - Owner Occupied ≤80% LVR #^§︎ | 7.94% | 7.63% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=80% |
| Home Loan 1 year Fixed - Interest Only - Investment ≤80% LVR #§︎ | 8.09% | 7.83% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=80% |
| Home Loan 1 year Fixed - Interest Only - Owner Occupied ≤80% LVR #^§︎ | 8.39% | 7.64% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=80% |