With competitive rates, no establishment fees*, ongoing fees* and up to 8 offset accounts.

Now’s the time to see why so many people are making the choice to switch.

Contact Us Calculators


Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Eligibility criteria, fees and charges, terms and conditions apply.

Explore our Home Loans to see which one is right for you.

Home Loan

Suitable for borrowing up to $250k

  • Loans up to $250k
  • LVR up to 95%
  • Terms up to 40 years for owner occupier loans
Find Out More
Home Loan
Home Loan

Suitable for borrowing over $250k with variable and fixed rate options

  • Loans over $250k
  • LVR up to 95%
  • Terms up to 40 years for owner occupier loans
Find Out More
Home Loan

Pay less in interest on your Home Loan and organise your budget with up to 8 offset accounts


The offset feature in our Easy Access account helps you save on the interest you pay on your Home Loan*. With us, you can have up to 8 accounts to offset your Home Loan balance reducing the amount of interest you pay to help you own your home sooner.  Available at no cost on both Standard and Premium Fixed and Variable Home Loans^.

How it works?


Our offset functionality is attached to our Easy Access account that is linked to your home loan, with the full balances of your account offsetting the amount you owe on your home Loan. For example, if you owe $350,000 on your home loan, and hold $10,000 in your offset account for the full month, the interest calculated for you to pay us that month will be on $340,000 instead, saving you money.

At the same time, the money is freely available for you to use, just like any other everyday account. Interest is calculated daily and charged at the end of the month, so even if you hold extra money for a few days instead of the whole month, it will still make a difference.

Do you love budgeting? Or simply want to have a separate account for other expenses and savings? The option to have up to 8 offset accounts linked to your home loan means your money can all still work for you, whether it be in a holiday, grocery, or car expenses account. You name it, it still offsets your home loan whilst keeping you on track with all your living goals.

Talk to us to set up your offset accounts and start saving straight away.

*Excludes business and reverse mortgages. ^For customers over 21 years, for each Easy Access account you hold, a monthly account fee will apply if you do not deposit a minimum of $2k/month or hold a minimum of $30k in investments or loans with us. Eligibility criteria, fees and charges, terms and conditions apply. TMD available.

Premium Home Loan Owner Occupied (P&I)
Variable rate
Comparison Rate*
Premium Home Loan Owner Occupied (P&I)
  • Loans from $250k
  • LVR less than 80%
  • For New Business Only#
Find Out More

Lenders Mortgage Insurance


Lenders Mortgage Insurance (LMI) is a one-off fee charged on home loans where 80% Loan to Value Ratio (LVR) or more is borrowed. The LMI protects the lender against the risk of not recovering the full loan balance should repayments not be met due to hardship or any other reason, allowing us to lend more to those with less than a 20% deposit. The amount you pay depends on how much you borrow and the percentage of LVR the loan will be. Our Premium Bankers can help you work out the approximate cost and clarify any other loan related questions you may have. To learn more about LMI, take some time to read our blog: https://www.sccu.com.au/home/what-is-lmi/


To better manage your money, explore the tools and links below:

Register for our NetBanking to manage your accounts online.

Download our SCCU App and set your savings goal.

Check the money management tool Frollo.

Visit the Australian Securities and Investments Commission’s website at moneysmart.gov.au

  • 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. Advertised Interest rates subject to change.

    *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.
    Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.

    #Available for new business only. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.

    ^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.


Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.
Kylie Taylor
We are writing to compliment SCCU for the excellent care, efficiency and exceptional customer service which we have received over the past many months of our build from Emma Northcott. Emma has combined professionalism, attention to details, accuracy, excellent communication and helpful consideration in managing our loan and the periodic payments requested by the builder. In our opinion she has gone above and beyond what we would have expected from a Lending Operations Specialist, and her handling of our account will highly contribute to our recommendations of SCCU to friends and family. Thanking you sincerely
Stan and Zetta Michaels
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
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