Looking to start, buy or grow your own business?  Our Business Loans could provide the funding you need.

4.60
%
P.A
2 Year Fixed Rate
$699
Establishment Fee or 0.25% of loan amount*
$0
Monthly or Annual Fees
  • No Monthly or Annual Fees
  • Make Additional Repayments
  • Loan Term up to 20 Years
Product Features

Business Loan

Minimum Loan Amount
$50,000
Maximum Loan Amount
-
Maximum LVR
80%
Maximum Loan Term
15 years
Minimum Loan Term
1 Year
Additional Repayments
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes

Business Loan

Minimum Loan Amount
$50,000
Maximum Loan Amount
-
Maximum LVR
80%
Maximum Loan Term
15 years
Minimum Loan Term
1 Year
Additional Repayments
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Interest Rates

Business Loan

Residential Security

Business Loan

Commercial Security
Intro Variable Rate
4.65%pa for 12 months1 4.85%pa for 12 months2
Variable Rate
5.40%pa 5.40%pa
1 Year Fixed Rate
4.60%pa 4.80%pa
2 Year Fixed Rate
4.60%pa 4.80%pa
3 Year Fixed Rate
4.65%pa 4.85%pa
4 Year Fixed Rate
4.80%pa 5.00%
5 Year Fixed Rate
4.95%pa 5.15%
Compare

Business Loan

Residential Security
Intro Variable Rate
4.65%pa for 12 months1
Variable Rate
5.40%pa
1 Year Fixed Rate
4.60%pa
2 Year Fixed Rate
4.60%pa
3 Year Fixed Rate
4.65%pa
4 Year Fixed Rate
4.80%pa
5 Year Fixed Rate
4.95%pa

Business Loan

Commercial Security
Intro Variable Rate
4.85%pa for 12 months2
Variable Rate
5.40%pa
1 Year Fixed Rate
4.80%pa
2 Year Fixed Rate
4.80%pa
3 Year Fixed Rate
4.85%pa
4 Year Fixed Rate
5.00%
5 Year Fixed Rate
5.15%
Fees & Charges

Business Loan

Establishment Fee
$699 or 0.25%
Annual Fee
-
Other Fees
Redraw (online / in branch)
$10 / $25
Legal Fee
$430
Legal Fee (trust deed review)
$132
Discharge Fee
$300
Progress Draw Fee
$110
Changes to Loan Contract
$150
Product Switch
$300
Direct Debit Dishonour Fee
$15
Break Cost Fee
Refer to Loan Contract
Stamp Duty
Subject to Government Charge

Business Loan

Establishment Fee
$699 or 0.25%
Annual Fee
-
Other Fees

Business Loan

Redraw (online / in branch)
$10 / $25
Legal Fee
$430
Legal Fee (trust deed review)
$132
Discharge Fee
$300
Progress Draw Fee
$110
Changes to Loan Contract
$150
Product Switch
$300
Direct Debit Dishonour Fee
$15
Break Cost Fee
Refer to Loan Contract
Stamp Duty
Subject to Government Charge
  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. Your actual interest rate may vary depending on the security offered.

    *The greater of the two is applicable

    1 0.75% p.a. below the Business Loan Variable Rate for the first 12 months, after which the Business Loan Variable Rate will apply. New business only. Minimum lending amount for introductory rate is $100,000

    2 0.55% p.a. below the Business Loan Variable Rate for the first 12 months, after which the Business Loan Variable Rate will apply. New business only. Minimum lending amount for introductory rate is $100,000

     

We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Neil & Kathalina
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