Need finance for a property, car, holiday or something else? We could help you with our range of flexible loans.

Home Loans

Are you a First Home Buyer, thinking about a new property or looking to refinance an existing home loan? We could help you get into your new place sooner with one of our home loans.

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Home Loans
Investment Loans

Planning to buy an investment property? Looking to refinance an existing investment home loan? We can help with our range of flexible investment home loans.

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Investment Loans
Personal Loans

Looking to buy a new car, renovate your home or take a much needed holiday? Our Personal Loans could help with no ongoing or early repayment fees.

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Personal Loans
Calculators

‘Run the numbers’ on your home loan, personal loan and savings goals using our calculators and key fact sheets.

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Calculators
Basic Home Loan
3.48
%
P.A
Variable Rate
3.49
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans up to $400k
  • Maximum LVR 80%
  • No Establishment / Annual Fees
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Platinum Home Loan
3.30
%
P.A
3 Year Fixed Rate
4.10
%
P.A
Comparison Rate*
Platinum Home Loan
  • Loans between $250-750k
  • Maximum LVR 95%
  • Offset Facility Available
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Platinum Professional Home Loan
3.20
%
P.A
3 Year Fixed Rate
3.96
%
P.A
Comparison Rate*
Platinum Professional Home Loan
  • Loans over $750k
  • Maximum LVR 95%
  • Offset Facility Available
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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
Buying Your First Home

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process you may go through as a buyer from saving a deposit, to settling on your new home. Doing your research is essential to getting the right outcome from your property...

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process...

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Lenders Mortgage Insurance (LMI) Explained

Achieving the dream of home ownership can be one of the most exciting times in your life. At times however, it can seem unattainable due to how long it takes to save a deposit. Lenders' Mortgage Insurance (LMI) enables us to accept deposits less than 20% for some home...

Achieving the dream of home ownership can be one of the most exciting times in your life. At times...

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What do comparison rates tell us?

Comparison rates help us to compare loan products. They are designed to enable us to compare apples with apples, when it comes to the total cost of lending products, but unfortunately they don't paint the whole picture. What is a Comparison Rate? A comparison rate provides a simplified way to compare...

Comparison rates help us to compare loan products. They are designed to enable us to compare apples with apples,...

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What’s your credit score?

Your Credit Score can sometimes be the difference between moving into your dream home and living in a crummy rental for eternity. But do any of us really know what a Credit Score is or what it means? So, this week I applied for a new credit card. Going through...

Your Credit Score can sometimes be the difference between moving into your dream home and living in a crummy...

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  • 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. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

    * The comparison rate is based on a $150,000 loan repayable over 25 years.