Spring has Sprung at Australia’s Mutual Lender of the Year #with $2K Cashback* and 10% off LMI^!

Take out a SCCU Home Loan before 3rd November and receive $2k Cash Back* . If you're 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.

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
Basic Home Loan
2.78
%
P.A
Special Offer Variable Rate <80% LVR
2.83
%
P.A
Comparison Rate6
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only<sup>7</sup>
Find Out More
Standard Home Loan
2.59
%
P.A
3 Year Fixed Rate
4.08
%
P.A
Comparison Rate6
Standard Home Loan
  • Loans up to $250k
  • Maximum LVR 95%
  • For New Business Only^
Find Out More
Premium Home Loan
2.39
%
P.A
3 Year Fixed Rate
3.11
%
P.A
Comparison Rate6
Premium Home Loan
  • Loans from $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
Which renovations add value and liveability to your home?
Renovations,  Investment,  DIY,  Building

Whether you’ve been enticed by a refinancing option with a low interest rate or you just feel like sprucing up your house or investment property, your list of renovation options can begin to grow. It’s often a great idea to look at renovations that may add to the value of...

Whether you’ve been enticed by a refinancing option with a low interest rate or you just feel like sprucing...

Read More
Tips for reducing your energy costs at home

Energy bills can often be a little bit of a surprise, particularly as many of us are increasingly working from home. Depending on your usage over the past month or quarter, the cost owing can often vary from bill to bill. There are a couple of quick and easy steps...

Energy bills can often be a little bit of a surprise, particularly as many of us are increasingly working...

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The five things every first home buyer Googles
Simplify,  First Home,  Home Insurance,  Home Loan

When you’re looking to break into the property market as a first home owner, there’s plenty to wrap your head around. It’s absolutely understandable that you’ll head over to Google to start your desk research on how to go about buying your first home. We answer five of the most...

When you’re looking to break into the property market as a first home owner, there’s plenty to wrap your...

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What is the Government’s HomeBuilder scheme and who is it for?
Building,  Rennovations,  HomeBuilder,  Grant,  Government,  Scheme,  First Home,  Home Loan

In an attempt to stimulate the economy, the Australian Government has rolled out HomeBuilder – a $25k grant for those building a new home or substantially renovating their current home. If you’re planning to build, HomeBuilder might mean you can add that extra en suite or guest bedroom. If you’re...

In an attempt to stimulate the economy, the Australian Government has rolled out HomeBuilder – a $25k grant for...

Read More
  • 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.

    *Cashback offer only available for new purchase or refinance, on owner occupied, principle & interest, Basic, Standard & Premium Home Loans with a minimum loan amount of $250k. Residential properties only. Cashback cannot be used towards serviceability of the home loan and is not available through Broker introduced business or for existing SCCU Home Loans. Valid for new loan applications received from 28 September 2020 to 3 November 2020 and settled by 31 January 2021. Cashback will be deposited into an Easy Access account linked to the home loan within 60 days of settlement. Maximum $2k cash back per customer. ^LMI discount only available for first 20 new applications received, with over 80% LVR, from 28 September 2020 to 3 November 2020 and settled by 31 January 2021, with the exclusion of Broker introduced business. Offer current as of 28 September 2020. Credit eligibility criteria, fees and charges, terms and conditions apply.

    #SCCU were awarded Mutual of the Year at the Australian Lending Awards, granted by RFI Group.

    6The comparison rate is based on a $150,000 loan repayable over 25 years. WARNING: 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.

    7Available for new business only. Interest rate valid for new loan applications received between 1st April 2020 and 31st Oct 2020. Offers not available for switching of existing SCCU home loans or to applicants for another SCCU home loan fully approved prior to 1st April 2020. Not available through Broker introduced business. Interests Rates subject to change.