CUA Rate Breaker Package Loan


This packaged loan from CUA offers customers a discount on their variable interest rate, in addition to a discounts and perks on other financial products, including a variety of insurance products.

Perks include the ability to make unlimited free withdrawals from their everyday transaction account, and discounts on home and contents, landlord and car insurance products.

If you choose the Rate Breaker Package Loan, you also have access to one free month each year of CUA health insurance if you are a new CUA Health customer.

You will also have access to a 100 per cent offset account that can be combined with multiple CUA everyday accounts, with the combined balances of these accounts contributing to offsetting the interest owed on your home loan.

This will help you to pay off your loan faster, especially if you choose to make additional repayments on this loan. And, if at any time you need the funds from your early repayments, you can redraw them for free.

However, you must be borrowing at least $250,000 in order to qualify for the Rate Breaker Package Loan so be sure you’re eligible before moving forward with this loan as an option.

Who is the CUA Rate Breaker Package Loan good for?

The CUA’s Rate Breaker Package Loan is available to owner occupiers and investors alike, and could be a good option if you’ve already decided you need the included features and want to have these financial products through CUA.

This loan may also be suitable for those wanting to move away from the larger four banks, while keeping all the conveniences of a fully accessible lender.

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The opportunity to bundle a home loan with other products could be an attractive offer if you’ve already determined that you need these products and would like to have benefits on them alongside your home loan, and would be convenient if you are looking for a one-stop shop for these products.

These discounts and perks do come at a cost however – the package includes a moderate ongoing fee which will add up over the life of the loan so do the maths and work out if the fees, and the interest rate offers will leave you ahead once you have factored in all the discounts.

CUA Rate Breaker Package Loan Options

Find more information about the CUA Rate Breaker Package Loan for owner-occupiers and investors below.

Variable Rates from


Advertised rate


Comparison rate
  • 100 per cent multi-account offset facility.
  • Free redraw facility.
  • Discounts on other CUA financial products and insurance.
  • Minimum loan amount of $250,000.
  • Annual package fee.

Must hold a CUA everyday banking account.

Must be borrowing at least $250,000.

Suitable For
  • First Home Buyers
  • Owner-Occupiers
  • Refinancers
  • Estimated upfront fees: $195.00
  • Discharge fees: $500
  • Ongoing fees: $350 annually

CUA’s Rate Breaker Package Loan has a moderately low amount of upfront fees and a moderate discharge fee that you will have to pay when you finish your loan.

As with most packaged home loans, the Rate Breaker Package Loan also has a moderate annual package fee that is paid throughout the entirety of you loan term.

  • Redraw facility
  • 100% offset account
  • Unlimited extra repayments
  • Weekly repayments
  • Fortnightly repayments
  • Monthly repayments
  • Loan allows split interest rate
About CUA

Credit Union Australia (CUA) is Australia’s largest customer-owned credit union that prides itself on being a respected financial institution. From everyday banking through to business services and financial advice, CUA offers a range of everyday banking, loans and insurance products and services.

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