Find The Loan That
Makes You Feel
Right At Home

Talk to a team that puts you ahead of profits

Enquire Now

Explore Our Home Loans To See Which One Is Right For You

Basic
Home Loan

Suitable for borrowing over $250k where you don’t need an offset account

  • Loans over $250k
  • Maximum LVR 95%
Basic
Home Loan
Standard
Home Loan

Suitable for borrowing up to $250k

  • Loans up to $250k
  • Maximum LVR 95%
Standard
Home Loan
Premium
Home Loan

Suitable for borrowing over $250k where an offset account is important

  • Loans over $250k
  • Maximum LVR 95%
Premium
Home Loan
Loan Comparison

Basic Home Loan

Standard Home Loan

Premium Home Loan

Minimum Loan Amount
$250,000$10,000$250,000
Maximum Loan Amount
-$250,000-
Maximum LVR95%95%95%
Maximum Loan Term
30 years30 years30 years
Minimum Loan term
1 year1 year1 year
Additional Repayments AvailableYesYesYes
RedrawYesYesYes
Principal & Interest Repayments
YesYesYes
Interest Only Repayments
NoYesYes
Split Loan
YesYesYes
Offset AccountNoYesYes
Compare

Basic Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
-
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
No
Split Loan
Yes
Offset Account
No

Standard Home Loan

Minimum Loan Amount
$10,000
Maximum Loan Amount
$250,000
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account
Yes

Premium Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
-
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account
Yes
Interest Rates

Basic Home Loan <80% LVR

Basic Home Loan >80% LVR

Standard Home Loan

Premium Home Loan

Owner Occupied (P&I) Rates
Special Offer Variable Rate2.78%pa

2.83%pa comparison rate*
2.98%pa

3.03%pa comparison rate*
--
Variable Rate
3.03%pa

3.08%pa comparison rate*
3.33%pa

3.38%pa comparison rate*
4.53%pa

4.58%pa comparison rate*
3.28%pa

3.33%pa comparison rate*
1 Year Fixed Rate
--2.29%pa

4.37%pa comparison rate*
2.09%pa

3.23%pa comparison rate*
2 Year Fixed Rate
--2.19%pa

4.16%pa comparison rate*
1.99%pa

3.11%pa comparison rate*
3 Year Fixed Rate
--2.19%pa

3.98%pa comparison rate*
1.99%pa

3.01%pa comparison rate*
4 Year Fixed Rate
--2.29%pa

3.84%pa comparison rate*
2.19%pa

2.98%pa comparison rate*
5 Year Fixed Rate
--2.59%pa

3.08%pa comparison rate*
2.49%pa

3.02%pa comparison rate*
Owner Occupied (P&I) Rates
Compare

Basic Home Loan <80% LVR

Special Offer Variable Rate
2.78%pa

2.83%pa comparison rate*
Variable Rate
3.03%pa

3.08%pa comparison rate*
1 Year Fixed Rate
-
2 Year Fixed Rate
-
3 Year Fixed Rate
-
4 Year Fixed Rate
-
5 Year Fixed Rate
-

Basic Home Loan >80% LVR

Special Offer Variable Rate
2.98%pa

3.03%pa comparison rate*
Variable Rate
3.33%pa

3.38%pa comparison rate*
1 Year Fixed Rate
-
2 Year Fixed Rate
-
3 Year Fixed Rate
-
4 Year Fixed Rate
-
5 Year Fixed Rate
-

Standard Home Loan

Special Offer Variable Rate
-
Variable Rate
4.53%pa

4.58%pa comparison rate*
1 Year Fixed Rate
2.29%pa

4.37%pa comparison rate*
2 Year Fixed Rate
2.19%pa

4.16%pa comparison rate*
3 Year Fixed Rate
2.19%pa

3.98%pa comparison rate*
4 Year Fixed Rate
2.29%pa

3.84%pa comparison rate*
5 Year Fixed Rate
2.59%pa

3.08%pa comparison rate*

Premium Home Loan

Special Offer Variable Rate
-
Variable Rate
3.28%pa

3.33%pa comparison rate*
1 Year Fixed Rate
2.09%pa

3.23%pa comparison rate*
2 Year Fixed Rate
1.99%pa

3.11%pa comparison rate*
3 Year Fixed Rate
1.99%pa

3.01%pa comparison rate*
4 Year Fixed Rate
2.19%pa

2.98%pa comparison rate*
5 Year Fixed Rate
2.49%pa

3.02%pa comparison rate*
Fees & Charges

Basic Home Loan

Standard Home Loan

Premium Home Loan

Establishment Fee
$699$699$699
Other Fees
Property Valuation$300$300$300
Progress Valuation Fee (construction loans)
$450$450$450
Legal Fee
$430$430$430
Legal Fee (Trust Deed Review)
$132$132$132
Security Variation
$300$300$300
Loan Variation
$150$150$150
Product Switch
$300$300$300
Redraw (Online / in branch)
$0 / $25$0 / $25$0 / $25
Loan Top-up
$250$250$250
Security Guarantee$50$50$50
Recontracting Fee
$150$150$150
Direct Debit Dishonour Fee
$15$15$15
Discharge Fee
$300$300$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
NA$0$0
Break Cost Fee (Fixed Rate Loans)
Refer to Loan ContractRefer to Loan ContractRefer to Loan Contract
Lenders' Mortgage InsurancePrice Available on ApplicationPrice Available on ApplicationPrice Available on Application
Mortgage Stamp Duty
Subject to State Government RequirementsSubject to State Government RequirementsSubject to State Government Requirements
Compare

Basic Home Loan

Establishment Fee
$699

Standard Home Loan

Establishment Fee
$699

Premium Home Loan

Establishment Fee
$699
Other Fees
Compare

Basic Home Loan

Property Valuation
$300
Progress Valuation Fee (construction loans)
$450
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Loan Variation
$150
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Recontracting Fee
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
NA
Break Cost Fee (Fixed Rate Loans)
Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements

Standard Home Loan

Property Valuation
$300
Progress Valuation Fee (construction loans)
$450
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Loan Variation
$150
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Recontracting Fee
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
$0
Break Cost Fee (Fixed Rate Loans)
Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements

Premium Home Loan

Property Valuation
$300
Progress Valuation Fee (construction loans)
$450
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Loan Variation
$150
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Recontracting Fee
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
$0
Break Cost Fee (Fixed Rate Loans)
Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements
  • 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.

    *The home loan comparison rate is based on a $150,000 loan repayable over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    ^The personal loan comparison rate is based on a $30,000 loan repayable over 5 years. 

    #In 2020, Southern Cross Credit Union was name Australia’s Mutual Lender of the Year at the Australian Lending Awards, hosted by RFI Group.

    ~In 2020, Southern Cross Credit Union received a Customer Satisfaction Score (CSAT) of 86.5% from customers who completed the Annual Customer Survey.

We recently approached Southern Cross Credit Union to investigate the refinancing of three home loans. We had been dealing with a couple of the big 4 banks for the past 20 years. From our initial meeting, though regular emails and phone calls to the final signing of documentation, everyone at SCCU was a pleasure to deal with.
You were professional to deal with and responded to my queries promptly. Initially I was concerned about changing to a non-bank lender, especially one outside Sydney, but you came recommended so we decided to go with you. I am now very happy that we moved to the Southern Cross Credit Union. We should have done it years ago.
Robyn
We chose to bank with our local SCCU for many reasons. The staff are very cheerful and helpful. It is an enjoyable in-branch experience at a convenient location. Opening hours are longer than most other banks in our area and they are open every weekday. We bank exclusively with SCCU for our personal, business and children's accounts. We have always been happy with their customer service and have recommended SCCU to our local sports club and school
Tony & Alisha
I really appreciate the warm service at SCCU Byron Branch that makes popping in to do some banking surprisingly enjoyable. The friendly atmosphere has really encouraged me to make some big personal savings towards my goals and I like knowing my money is invested locally. SCCU works for me!
Jedd

Southern Cross Credit Union Named Australia’s Mutual Lender of the Year

In 2020 at the Australian Lending Awards, hosted by RFI Group, we were named Australian Mutual of the Year. If you’d like to know why we achieved this recognition, get in touch and experience the SCCU difference.

Enquire Now
Borrowing Power Calculator

Want to know how much you could potentially borrow to buy a home or car? Find out with our borrowing power calculator.

Launch Calculator
Borrowing Power Calculator
Home Loan Repayment Calculator

Want to know how much your home loan repayments could be and how much you could save by changing how often you make repayments? Find out with our Home Loan Repayment calculator.

Launch Calculator
Home Loan Repayment Calculator
Loan Comparison Calculator

Want to compare what your total repayments could be between two different home loans? Find out with our Loan Comparison calculator.

Launch Calculator
Loan Comparison Calculator

Banking That Works For You!

Southern Cross Credit Union has been serving the financial and banking needs of the Northern Rivers and South East Queensland communities since 1966. We were built on a foundation of entrepreneurial spirit by the Banana Growers Federation (BGF) after local growers found they were unable to access the services and products they needed from the banks of the time. The BGF pooled the savings of its members to create a financial cooperative to supply savings and loans products to its members. This entrepreneurial spirit continues at Southern Cross Credit Union today. We employ 70 people from across the Northern Rivers, are the trusted banking partner of over 15,000 customers, support more than 30 community groups and support and invest in more than 200 local businesses.

Thinking About Buying A Home?

Enquire Now

Send Us An Enquiry

Want to apply for a product, find out more about SCCU or talk to a local Home Loan or Business Banking specialist? Choose how you’d like to contact us below or leave a message and we’ll aim to respond by the following business day.

General Enquiries

1300 360 744