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. Check out the below options 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^
2.79
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • Waived Establishment Fee^
  • For New Business Only^
Find Out More
Standard Home Loan
2.79
%
P.A
3 Year Fixed Rate^
4.08
%
P.A
Comparison Rate*
Standard Home Loan
  • Loans up to $250k
  • Maximum LVR 95%
  • Waived Establishment Fee^
  • For New Business Only^
Find Out More
Premium Home Loan
2.39
%
P.A
3 Year Fixed Rate^
3.07
%
P.A
Comparison Rate*
Premium Home Loan
  • Loans from $250
  • Maximum LVR 95%
  • Waived Establishment Fee^
  • For New Business Only^
Find Out More
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
Buying Your First Home
Gill Matthews

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
Gill Matthews

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?
Gill Matthews

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?
Gill Matthews

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. Eligibility criteria, fees and charges, terms and conditions apply.

    ^Available for new business only. Interest rate valid for new loan applications received between 1st April 2020 and 31st July 2020. Establishment Fee waiver applies to new loan applications received between 9th June 2020 and 31st August 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.

    *The 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.