---
title: "Minimiser Home Loan — Central West CUL"
description: "Home Loans from Central West CUL. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/central-west-cul/products/Minimiser_Housing_Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-05T09:57:52.000+10:00
---

# Minimiser Home Loan — Central West CUL

> Home Loans from Central West CUL. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · CENTRAL WEST CREDIT UNION LTD**

Perfect for First Home Buyers

## At a glance

- **From (owner occupied):** 6.89% (6.95% comparison)

## Apply

Applications are handled by the provider: [Apply at Central West CUL](https://www.cwcu.com.au/lending/apply-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Secured by mortgage over Residential Property) | 6.89% | 6.95% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| MINIMISER_HOME_LOAN_ESTABLISHMENT_FEE — ON ESTABLISHMENT OF LOAN | Upfront | $1,022.00 |
| MORTGAGE_DISCHARGE_FEE — Discharge fees are paid on discharge | Exit | $536.00 |

## Features

- **Redraw facility** ($0 Fee)
- **Digital banking**
- **Maximum term 30 years**
- **Extra repayments**

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Australian Resident only
- **Maximum LVR 95% subject to Lenders Mortgage Insurance approval**

## Constraints

- **Minimum balance** — $100,000.00
- **Maximum LVR** — 80% (Maximum LVR 80% without Lenders Mortgage Insurance)

## More information from Central West CUL

- [Overview](https://www.cwcu.com.au/lending/home-loans)
- [Terms & conditions](https://www.cwcu.com.au/disclosure-documents/conditions-of-use)
- [Eligibility](https://www.cwcu.com.au/disclosure-documents/conditions-of-use)
- [Fees & pricing](https://www.cwcu.com.au/disclosure-documents/fees-and-charges)
- [Bundle information](https://www.cwcu.com.au/disclosure-documents/fees-and-charges)

## Data provenance

- Published by Central West CUL under the Consumer Data Right
- Product ID: `Minimiser_Housing_Loan`
- Last updated by the provider: 4 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/central-west-cul/Minimiser_Housing_Loan
- Provider page: https://www.cdrcompare.au/brands/central-west-cul
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000278

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/central-west-cul/products/Minimiser_Housing_Loan) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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