New reduced fixed rates available across Owner Occupied & Investor Home Loans and no annual fees!

Planning to buy an investment property? Looking to refinance an existing investment home loan? We can help with our range of flexible investment home loans.

Basic
Investment Home Loan

Suitable for borrowing over $250k where you don’t need an offset account

  • Loans from $250k
  • Maximum LVR 90%
Find Out More
Basic
Investment Home Loan
Standard
Investment Home Loan

Suitable for borrowing up to $250k

  • Loans up to $250k
  • Maximum LVR 90%
Find Out More
Standard
Investment Home Loan
Premium
Investment Home Loan

Suitable for borrowing over $250k where an offset account is important

  • Loans over $250k
  • Maximum LVR 90%
Find Out More
Premium
Investment Home Loan
Basic Investment Home Loan
2.68
%
P.A
Special Offer Variable Rate <80% LVR (P&I)^
2.69
%
P.A
Comparison Rate*
Basic Investment Home Loan
  • Loans from $250k
  • No Annual Fees
  • New Business Only^
Find out more
Standard Investment Home Loan
2.49
%
P.A
2 Year Fixed Rate (P&I)^
4.54
%
P.A
Comparison Rate*
Standard Investment Home Loan
  • Loans up to $250k
  • Maximum LVR 90%
  • New Business Only~
Find out more
Premium Investment Home Loan
2.29
%
P.A
2 Year Fixed Rate (P&I)^
2.87
%
P.A
Comparison Rate*
Premium Investment Home Loan
  • Loans From $250
  • Maximum LVR 90%
  • 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
The investment property guide

Questions to ask yourself before placing an offer With the property market in a growth phase, rental vacancies at all-time lows and staycations replacing overseas travel, many people are considering this as an opportune time to enter the investment property market. Whilst it’s a decision that needs to be based...

Questions to ask yourself before placing an offer With the property market in a growth phase, rental vacancies at all-time...

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How to drive your renovation dollar further

Questions to ask yourself before diving into a renovation For many Australians, the pandemic has increased our appetite for renovating. With more time spent at home, extra downtime and little opportunity to spend our dollars on an overseas holiday, we are looking to make our own space a little more...

Questions to ask yourself before diving into a renovation For many Australians, the pandemic has increased our appetite for renovating....

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Renting versus Buying: Four factors you need to consider

Australian house prices are now among the most expensive in the world: Sydney and Melbourne have historically led the way when it comes to pricey real-estate, but other states are now quickly catching up. What used to be an achievable goal for most Australians – to work hard and...

Australian house prices are now among the most expensive in the world: Sydney and Melbourne have historically led the...

Read More
Strong-arming the market: the ‘Hemsworth effect’

The picturesque towns of Northern NSW have had a sprinkling of celebrity stardust over the past years - while it’s shone the international and national spotlight onto our beautiful region, are we now paying A-list property prices? Known locally as the ‘Hemsworth effect’, the increase of celebrity visitors and new...

The picturesque towns of Northern NSW have had a sprinkling of celebrity stardust over the past years - while...

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. 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.

    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 11th October and 30th November 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.

    *Principle & Interest rates shown. For Interest Only lending rates, refer to our loan interest rate schedule.  The comparison rate is based on a $150,000 loan repayable over 25 years.