Our Basic Investment Home Loan is suitable for new property investors and refinancers looking for a discounted variable rate over loan flexibility and additional features such as offset accounts.

3.18
%
P.A
Variable Rate ≤ 80% LVR (P&I)^
3.23
%
P.A
Comparison Rate*
  • Loans from $250k
  • No Annual Fees
  • Available for New Business Only~
Product Features

Basic Investment Home Loan

Standard Investment Home Loan

Premium Investment Home Loan

Minimum Loan Amount
$250,000$10,000$250,000
Maximum Loan Amount
n/a$250,000n/a
Maximum LVR
90%90%90%
Maximum Loan Term
30 years30 years30 years
Minimum Loan term
1 year1 year1 year
Additional Repayments Available
YesYesYes
Redraw (Not available on Fixed rates)
YesYesYes
Principal & Interest Repayments
YesYesYes
Interest Only Repayments
YesYesYes
Split Loan
YesYesYes
Offset Account
YesYesYes
Compare

Basic Investment Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
n/a
Maximum LVR
90%
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
Yes

Standard Investment Home Loan

Minimum Loan Amount
$10,000
Maximum Loan Amount
$250,000
Maximum LVR
90%
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
Yes

Premium Investment Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
n/a
Maximum LVR
90%
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
Yes
  • 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.

    Basic Investment Home Loan available for new business only. Eligibility criteria, fees and charges, terms and conditions apply. Available for refinances from financial institutions other than Southern Cross Credit Union.

    * 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. Principle & Interest rates shown. For Interest Only lending rates, refer to our loan interest rate schedule.

    ~#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
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...

Read More
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....

Read More
Renting versus Buying: Four factors you need ...

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 ef...

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