Our Standard Home Loan is suitable for new home owners and refinancers borrowing under $250k with a deposit less than 20%.

Apply Online Loan Calculators
2.19
%
P.A
2 Year Fixed Rate
4.16
%
P.A
Comparison Rate*
$699
Establishment fee
$0
Annual fee
  • Loans up to $250k
  • Maximum LVR 95%
Product Features

Basic Home Loan

Standard Home Loan

Premium Home Loan
Minimum Loan Amount
$250,000$10,000$250,000
Maximum Loan Amount
-$250,000-
Maximum LVR95%95%95%
Maximum Loan Term
30 years30 years30 years
Minimum Loan term
1 year1 year1 year
Additional Repayments AvailableYesYesYes
RedrawYesYesYes
Principal & Interest Repayments
YesYesYes
Interest Only Repayments
NoYesYes
Split Loan
YesYesYes
Offset AccountNoYesYes
Compare

Basic Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
-
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
No
Split Loan
Yes
Offset Account
No

Standard Home Loan

Minimum Loan Amount
$10,000
Maximum Loan Amount
$250,000
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account
Yes

Premium Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
-
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account
Yes
Interest Rates

Basic Home Loan <60% LVR

Basic Home Loan <80% LVR

Basic Home Loan >80% LVR

Standard Home Loan

Premium Home Loan
Owner Occupied (P&I) Rates
Special Offer Variable Rate2.48%pa

2.49%pa comparison rate*		2.48%pa

2.49%pa comparison rate*		2.68%pa

2.69%pa comparison rate*		-2.78%pa

2.79%pa comparison rate*#
Variable Rate
---4.53%pa

4.58%pa comparison rate*		-
1 Year Fixed Rate
---2.19%pa

4.36%pa comparison rate*		1.99%pa

2.72%pa comparison rate*
2 Year Fixed Rate
---2.19%pa

4.16%pa comparison rate*		1.99%pa

2.66%pa comparison rate*
3 Year Fixed Rate
---2.39%pa

4.03%pa comparison rate*		2.19%pa

2.64%pa comparison rate*
4 Year Fixed Rate
---2.79%pa

4.00%pa comparison rate*		2.59%pa

2.73%pa comparison rate*
5 Year Fixed Rate
---2.89%pa

3.92%pa comparison rate*		2.69%pa

2.75%pa comparison rate*
Owner Occupied (P&I) Rates
Compare

Basic Home Loan <60% LVR

Special Offer Variable Rate
2.48%pa

2.49%pa comparison rate*
Variable Rate
-
1 Year Fixed Rate
-
2 Year Fixed Rate
-
3 Year Fixed Rate
-
4 Year Fixed Rate
-
5 Year Fixed Rate
-

Basic Home Loan <80% LVR

Special Offer Variable Rate
2.48%pa

2.49%pa comparison rate*
Variable Rate
-
1 Year Fixed Rate
-
2 Year Fixed Rate
-
3 Year Fixed Rate
-
4 Year Fixed Rate
-
5 Year Fixed Rate
-

Basic Home Loan >80% LVR

Special Offer Variable Rate
2.68%pa

2.69%pa comparison rate*
Variable Rate
-
1 Year Fixed Rate
-
2 Year Fixed Rate
-
3 Year Fixed Rate
-
4 Year Fixed Rate
-
5 Year Fixed Rate
-

Standard Home Loan

Special Offer Variable Rate
-
Variable Rate
4.53%pa

4.58%pa comparison rate*
1 Year Fixed Rate
2.19%pa

4.36%pa comparison rate*
2 Year Fixed Rate
2.19%pa

4.16%pa comparison rate*
3 Year Fixed Rate
2.39%pa

4.03%pa comparison rate*
4 Year Fixed Rate
2.79%pa

4.00%pa comparison rate*
5 Year Fixed Rate
2.89%pa

3.92%pa comparison rate*

Premium Home Loan

Special Offer Variable Rate
2.78%pa

2.79%pa comparison rate*#
Variable Rate
-
1 Year Fixed Rate
1.99%pa

2.72%pa comparison rate*
2 Year Fixed Rate
1.99%pa

2.66%pa comparison rate*
3 Year Fixed Rate
2.19%pa

2.64%pa comparison rate*
4 Year Fixed Rate
2.59%pa

2.73%pa comparison rate*
5 Year Fixed Rate
2.69%pa

2.75%pa comparison rate*
Interest Rate Schedule
Fees & Charges

Basic Home Loan

Standard Home Loan

Premium Home Loan
Establishment Fee
$0$699$0
Other Fees
Property Valuation$300$300$300
Progress Valuation Fee (construction loans)
$450$450$450
Legal Fee
$430$430$430
Legal Fee (Trust Deed Review)
$132$132$132
Security Variation
$300$300$300
Loan Variation
$150$150$150
Product Switch
$300$300$300
Redraw (Online / in branch)
$0 / $25$0 / $25$0 / $25
Loan Top-up
$250$250$250
Security Guarantee$50$50$50
Recontracting Fee
$150$150$150
Direct Debit Dishonour Fee
$15$15$15
Discharge Fee
$300$300$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government chargesSubject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
NA$0$0
Break Cost Fee (Fixed Rate Loans)
Refer to Loan ContractRefer to Loan ContractRefer to Loan Contract
Lenders' Mortgage InsurancePrice Available on ApplicationPrice Available on ApplicationPrice Available on Application
Mortgage Stamp Duty
Subject to State Government RequirementsSubject to State Government RequirementsSubject to State Government Requirements
Compare

Basic Home Loan

Establishment Fee
$0

Standard Home Loan

Establishment Fee
$699

Premium Home Loan

Establishment Fee
$0
Other Fees
Compare

Basic Home Loan

Property Valuation
$300
Progress Valuation Fee (construction loans)
$450
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Loan Variation
$150
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Recontracting Fee
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
NA
Break Cost Fee (Fixed Rate Loans)
Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements

Standard Home Loan

Property Valuation
$300
Progress Valuation Fee (construction loans)
$450
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Loan Variation
$150
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Recontracting Fee
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
$0
Break Cost Fee (Fixed Rate Loans)
Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements

Premium Home Loan

Property Valuation
$300
Progress Valuation Fee (construction loans)
$450
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Loan Variation
$150
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Recontracting Fee
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Discharge of Mortgage Registration Fee
Subject to State Government Requirements plus statutory government charges
Mortgage Security Registration Fee
Subject to State Government Requirements plus statutory government charges
Offset Facility (Monthly Fee)
$0
Break Cost Fee (Fixed Rate Loans)
Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements
Fees & Charges Schedule
  • 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.

    *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.

    ~Available for new business only. Valid for new loan applications received between 31st January 2022 and settled by 31 March 2022. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business

    #Available for new business only. Valid for new loan applications received between 31st January 2022 and settled by 31 March 2022. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.

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
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