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 up to $400k with a minimum 20% deposit

  • Loans up to $400k
  • Maximum LVR 80%
Find Out More
Basic
Home Loan
Standard
Home Loan

Suitable for borrowing up to $250k with less than 20% deposit

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

Suitable for borrowing over $250k with less than 20% deposit

  • Loans over $250k
  • Maximum LVR 95%
Find Out More
Platinum
Home Loan
Platinum Professional
Home Loan

Suitable for borrowing over $750k

  • Loans over $750k
  • Maximum LVR 95%
Find Out More
Platinum Professional
Home Loan
Basic Home Loan
3.33
%
P.A
Variable Rate
3.38
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans up to $400k
  • Maximum LVR 80%
  • No Annual Fees
Find Out More
Standard Home Loan
3.19
%
P.A
3 Year Fixed Rate
4.41
%
P.A
Comparison Rate*
Standard Home Loan
  • Loans up to $250k
  • Maximum LVR 95%
  • Offset Facility Available
Find Out More
Platinum Home Loan
3.09
%
P.A
3 Year Fixed Rate
3.94
%
P.A
Comparison Rate*
Platinum Home Loan
  • Loans between $250-750k
  • Maximum LVR 95%
  • Offset Facility Available
Find Out More
Platinum Professional Home Loan
2.99
%
P.A
3 Year Fixed Rate
3.80
%
P.A
Comparison Rate*
Platinum Professional Home Loan
  • Loans over $750k
  • Maximum LVR 95%
  • Offset Facility Available
Find Out More
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
James Adderley

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
James Adderley

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?
James Adderley

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?
James Adderley

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.

    *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.