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Home Loans

Build Your Future


Whether you’re considering your first or next home, refinancing or investing, you should consider CWCU’s competitive home loan options.

We pride ourselves on being able to offer all your banking needs in an environment you can trust.

Credit Unions are known for their ability to make the decisions you need, fast. You have better access to the decision makers, making us more flexible and responsive to your needs than the larger banks.

Whether you're a first homebuyer, or looking to expand along with your family, our friendly team will work with you to find the loan that best supports your goals.

Mortgage Smart Home Loan

Perfect for a new home

  • Standard variable interest rate
  • Free Redraw Facility
  • No penalty for early repayment
  • 100% offset account available
  • Transaction fee free account
  • Ability to split loan
Minimiser Home Loan

Perfect for first home buyers

  • Discounted variable interest rate
  • No monthly account keeping fee
  • No penalty for early repayment
  • Redraw facility available
The Fixed Rate Home Loan

Perfect for refinancing

  • Terms of one or two years
  • Transaction fee free account
  • Ability to split loan

Talk to us to find out what Home Loan is best suited to you.


Register Your Interest

Want to save the fuss? Register your interest in a loan with and we will give you a call.

Ready To Apply?

Read through our required information and get started with your application today.


Want to talk?

Find out more about the whole lending process, from how much you can borrow, what loan is right for you and how to apply. Our team of lending specialists are ready for your call.


Shane Budge - Manager Cowra Branch

Shane Budge - Branch Manager
Phone: 02 6342 4142

Kerry Spence - Loans Officer

Kerry Spence - Loans Officer
Phone: 02 6342 4142

Meaghan Smith - Loans Officer

Meaghan Smith - Loans Officer
Phone: 02 6862 2788

Kara Hodges - Loans Officer

Kara Hodges - Loans Officer
Phone: 02 6852 3571

Why choose CWCU?


Right now we are doing great deals on our Home Loan products and we are more than happy to work with you to understand your requirements, and select a loan that works for you. With CWCU, you always get:

Local Support

Get competitive rates and more personalised service - our team will look after you from the start to finish (and beyond).

Faster decisions

Don’t get stuck in the corporate hierarchy. Get the answers you need without the fuss.


Offering both variable and fixed rate loans, we make it easy for you to find the right banking product for your needs.

Still not sure where to start?


Use these tools to set you on the right path, or, contact our Mobile Relationship Officer for a face-to-face meeting at a time and place that suits you.


Frequently Asked Questions

How can I apply?

Simply apply online, or call our friendly loan staff to make an appointment.

What are your fees and charges?

Please call one of our friendly loan staff at your local branch to discuss. Full Terms and Conditions, including applicable fees and charges, are available on application.

What rates can I expect?

Please take the time to review our current list of rates.