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
3.39
%
P.A
1 Year Fixed Rate
4.47
%
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
n/a$250,000n/a
Maximum LVR95%95%95%
Maximum Loan Term
30 years30 years30 years
Minimum Loan term
1 year1 year1 year
Additional Repayments AvailableYesYesYes
Redraw (Not available on Fixed rates)YesYesYes
Principal & Interest Repayments
YesYesYes
Interest Only Repayments
NoYesYes
Split Loan
YesYesYes
Offset Account (Not available on Fixed rates)NoYesYes
Compare

Basic Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
n/a
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw (Not available on Fixed rates)
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
No
Split Loan
Yes
Offset Account (Not available on Fixed rates)
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 (Not available on Fixed rates)
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account (Not available on Fixed rates)
Yes

Premium Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
n/a
Maximum LVR
95%
Maximum Loan Term
30 years
Minimum Loan term
1 year
Additional Repayments Available
Yes
Redraw (Not available on Fixed rates)
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account (Not available on Fixed rates)
Yes
Interest Rate Schedule Fees and 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. 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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