We're making a splash with new low rates and no establishment fee!^

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.

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
4 Year Fixed Rate
2.91
%
P.A
Comparison Rate*
Premium Home Loan
  • Loans from $250k
  • Maximum LVR 95%
  • For New Business Only~
Find Out More
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 or Establishment Fee
  • For New Business Only~
Find Out More
Standard Home Loan
2.19
%
P.A
4 Year Fixed Rate
3.80
%
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
What is negative and positive gearing?
Postive Gearing,  Negative Gearing,  Property,  Tax Deduction,  Policy,  Investment,  Home Loan

When tuning in to media coverage around property and particularly investment properties, there is a good chance you’ve heard the term ‘negatively geared’. Of course, as balance would have it, there is also another relative concept called ‘positively geared’. Put simply, negative gearing is where you’ve borrowed money to invest,...

When tuning in to media coverage around property and particularly investment properties, there is a good chance you’ve heard...

Read More
What are some of the ‘extra’ payments when buying a house?
Fees,  Transfer,  Dream Home,  Costs,  Stamp Duty,  Offset,  Lending,  Investment,  Insurance,  Home Loan

You’ve been following the market, looking at mortgage calculators, and you’ve got your eye on a house you’d like to make your home. The problem is, you’ve been fixated on the cost of the house. You know how many hundred thousand you’re willing to pay for it, but you may...

You’ve been following the market, looking at mortgage calculators, and you’ve got your eye on a house you’d like...

Read More
Avoiding Building Budget Blowout
Budget,  Plan,  Home,  Tips,  Investment,  Building,  Rennovations

If you’re knocking up a cubbyhouse for the kids, it’s not the worst thing in the world if you go over budget. An extra set of nails or timber won’t require you to tap into any additional savings. However, if you’re building a new home, those additional costs can amount...

If you’re knocking up a cubbyhouse for the kids, it’s not the worst thing in the world if you...

Read More
What to do When Looking to Refinance Your Home Loan
Refinance

Buying a house can be such a challenging ordeal that you may be tempted to set and forget – simply paying your regular repayments. Whilst some people’s circumstances may not have changed and their home loan is still fit for purpose, your needs may have altered. You may have...

Buying a house can be such a challenging ordeal that you may be tempted to set and forget –...

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.

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

    *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.

    ^Apply by 31 January 2021, settle by 31 March 2021 and we’ll waive our $699 Establishment fee on all Owner Occupied and Investment Home Loans.

    ~Available for new business only. Valid for new loan applications received between 2nd September 2020 and 31st January 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business