Buying your first home, upgrading to your next, or refinancing for a better interest rate? Explore our range of Home Loans:
We are here to support you with flexible home loan options, an easy application process, and award-winning services.
Explore our range of competitive home loans to find the best option for you.
A flexible loan designed for primary residences, perfect for first‑time buyers and those looking for their next home.
All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
^At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
*The comparison rate is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Structured with multiple features and repayment options to help property investors start or expand their portfolio.
All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
^At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
*The comparison rate is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
A credit facility that lets homeowners do more with their home equity, and access their funds on their own terms.
All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
~Variable Interest Only option available for maximum five-year periods reverting thereafter to the P&I variable rate. For Line Of Credit, ability to draw on the Principal over a 10-year period, as long as you stay within your credit limit.
Allows homeowners aged 70+ to unlock equity from their home while still living in it with no regular repayments required.
All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
¹Discount interest rate for the first 12 months reverting to the standard variable rate after 12 months.
*The comparison rate for the Reverse Mortgage is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000. 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. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.
Important: Available for new business only. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.
Advertised Interest rates subject to change without notice.
Home Loans (Owner Occupied and Investment)
^At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
*The comparison rate is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
~Variable Interest Only option available for maximum five-year periods reverting thereafter to the P&I variable rate.
Home Loans (Professionals Eligibility Criteria)
Eligible applicants on the professionals list can access premium rates for loans with 80-95% LVR. In addition, these professionals will receive an
LMI waiver for loans up to 90% LVR. To access additional benefits such as premium interest rates and no requirement for Lender’s Mortgage Insurance for loans up to 90% loan to value ratio at least one applicant must be employed as a:
Medical & Health Professional: Anaesthetists, Chiropractors, Dental Practitioners, Dermatologists, General Practitioners, Obstetricians/Gynaecologists, Ophthalmologists, Optometrists, Paediatricians, Pathologists, Pharmacists, Physicians, Physiotherapists, Psychiatrists, Radiation Oncologists, Radiologists, Surgeons, Veterinary Practitioners. Medical & Health Professionals must be a current registered member of the Australian Health Practitioner Regulation Agency (AHPRA). Target Market Determination Premium Fixed Rate Home Loan
Legal & Financial Professionals: Solicitors, Lawyers, Barristers, Actuaries, Financial Analysts, Accountants Finance professionals must be practicing and a current registered member of an eligible professional institute. Legal professionals must be practicing and hold a current certificate with an acceptable state body.
Line of Credit
˜Variable Interest Only option available for maximum five-year periods reverting thereafter to the P&I variable rate. For Line Of Credit, ability to draw on the Principal over a 10-year period, as long as you stay within your credit limit.
Reverse Mortgage
1 Discount interest rate for the first 12 months reverting to the standard variable rate after 12 months.
* The comparison rate for the Reverse Mortgage is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
A range of feature-packed home loans tailored to support your financial life stage.
Low-deposit options starting from 5%, with guidance on grants, schemes and tools to help you into your first home.
Release equity in your home with our Reverse Mortgage – no regular repayments required, just a variable rate secured against your property.
Access your home’s equity and make the most out of your property with interest only repayments.
Up to 8 offset accounts, flexible repayments, redraw and competitive rates.
Investment home loans with low deposit, up to 40-year terms, offset and redraw facility.
Flexible home loan solutions with redraw, offset & refinancing options to suit existing homeowners.
Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.
Our First Home Buyers Hub is designed to help you make sense of the process, from understanding your borrowing power to applying for government grants and choosing the right loan.
You’ll find easy-to-follow guides, tools, and tips to break it all down. Whether you’re just starting to save or ready to house hunt, we’re here to help you take the next step with confidence.
Explore online, visit our Financial Service Centres or contact us over the phone – our Premium Bankers will be with you every step of the way.
First Home Buyers Hub
As customer-owned and community focused, we place people and meaningful conversation at the core of everything we do. Unlike traditional banks, our profit doesn’t go to shareholders, they are reinvested into improving our services, products and banking solutions to support you every step of the way.
For over 60 years, we’ve helped everyday Australians with competitive financial products, award-winning service, financial education and smart digital solutions. We are here to make banking feel easy, more human, and better for the future.
With SCCU by your side, you are choosing a trusting banking partner who is proudly invested in you, your community, and your future.
Learn More About UsFrom your first transaction to lifelong investments, with you across all financial life stages.
Years of age
Australian our NZ resident
Confirmed employment
If you'd like a little extra help, call our team on 1300 360 744.
