Home Loans

Enjoy the Little Things


With a rate of 1.99% p.a. (*comparison rate of 2.66% p.a.) on our 2 year fixed rate Premium owner occupier home loan and no loan establishment fee on new loan applications received by 31st December 2021 and settled by 28th February 2022, now’s the time to see why so many people are making the choice to switch.

Credit eligibility criteria, terms and conditions, fees and charges apply.
*Comparison rate is based on a loan 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.

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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%
Find Out More
Basic
Home Loan
Standard
Home Loan

Suitable for borrowing up to $250k

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

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

  • Loans over $250k
  • Maximum LVR 95%
Find Out More
Premium
Home Loan
Premium Home Loan
1.99
%
P.A
2 Year Fixed Rate
2.66
%
P.A
Comparison Rate*
Premium Home Loan
  • Loans from $250k
  • Maximum LVR 95%
  • For New Business Only~
Find Out More
Basic Home Loan
2.48
%
P.A
Special Offer Variable Rate <60% LVR
2.49
%
P.A
Comparison Rate6
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only~
Find Out More
Standard Home Loan
2.19
%
P.A
2 Year Fixed Rate
4.16
%
P.A
Comparison Rate*
Standard Home Loan
  • Loans up to $250k
  • Maximum LVR 95%
  • For New Business Only~
Find Out More
Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have. We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team. Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her. I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.      
Peter & Melissa
We recently approached Southern Cross Credit Union to investigate the refinancing of three home loans. We were referred to SCCU by our Local Surf Club – Cudgen Headland Surf Lifesaving Club through the Community Rewards Partnership that they had recently entered into. 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. We are very happy with our move to SCCU and are looking forward to a long and prosperous relationship. We would encourage everyone to evaluate their current situation and give SCCU a call, you will not be disappointed. SCCU made banking personal again.
Gavin & Sally
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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  • 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. 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.

    Credit eligibility criteria, terms and conditions, fees and charges apply. At the end of the fixed rate period the rate will revert to our Standard Variable Premium Home Loan Owner Occupier Rate (currently 2.78% p.a., Comparison Rate 2.79% p.a.*) Advertised Interest rates subject to change. Offer valid for applications received by 31 December 2021 and settled by 28 February 2022. No loan establishment fee offer only valid for new loans and refinances to SCCU. *Comparison rate is based on a loan 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.