Our Platinum Home Loan is suitable for new property investors and refinancers borrowing between $250k and $750k.

3.65
%
P.A
3 Year Fixed Rate (P&I)
4.47
%
P.A
Comparison Rate*
$0
Establishment fee
$400
Annual fee
  • Loans Between $250-750k
  • Maximum LVR 90%
  • Offset Facility Available
Product Features

Basic Investment Home Loan

Standard Investment Home Loan

Platinum Investment Home Loan

Platinum Professional Investment Home Loan

Minimum Loan Amount
$10,000 $10,000 $250,000 $750,000
Maximum Loan Amount
$400,000 $250,000 $750,000 -
Maximum LVR
80% 90% 90% 90%
Maximum Loan Term
30 years 30 years 30 years 30 years
Minimum Loan term
1 year 1 year 1 year 1 year
Additional Repayments Available
Yes Yes Yes Yes
Redraw
Yes Yes Yes Yes
Principal & Interest Repayments
Yes Yes Yes Yes
Interest Only Repayments
No Yes Yes Yes
Split Loan
Yes Yes Yes Yes
Offset Account (variable rate loans only)
No Yes Yes Yes
Compare

Basic Investment Home Loan

Minimum Loan Amount
$10,000
Maximum Loan Amount
$400,000
Maximum LVR
80%
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 (variable rate loans only)
No

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
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Offset Account (variable rate loans only)
Yes

Platinum Investment Home Loan

Minimum Loan Amount
$250,000
Maximum Loan Amount
$750,000
Maximum LVR
90%
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 (variable rate loans only)
Yes

Platinum Professional Investment Home Loan

Minimum Loan Amount
$750,000
Maximum Loan Amount
-
Maximum LVR
90%
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 (variable rate loans only)
Yes
Interest Rates

Basic Investment Home Loan

Standard Investment Home Loan

Platinum Investment Home Loan

Platinum Professional Investment Home Loan

Investment (P&I) Rates
Variable Rate
3.78%pa

3.83%pa comparison rate*
5.33%pa

5.38%pa comparison rate*
4.23%pa

4.62%pa comparison rate*
4.08%pa

4.48%pa comparison rate*
1 Year Fixed Rate
- 3.89%pa

5.24%pa comparison rate*
3.79%pa

4.58%pa comparison rate*
3.69%pa

4.44%pa comparison rate*
2 Year Fixed Rate
- 3.75%pa

5.09%pa comparison rate*
3.65%pa

4.52%pa comparison rate*
3.55%pa

4.38%pa comparison rate*
3 Year Fixed Rate
- 3.75%pa

4.96%pa comparison rate*
3.65%pa

4.47%pa comparison rate*
3.55%pa

4.34%pa comparison rate*
4 Year Fixed Rate
- 4.04%pa

4.93%pa comparison rate*
3.94%pa

4.52%pa comparison rate*
3.84%pa

4.40%pa comparison rate*
5 Year Fixed Rate
- 3.94%pa

4.80%pa comparison rate*
3.84%pa

4.46%pa comparison rate*
3.74%pa

4.34%pa comparison rate*
Investment (P&I) Rates
Compare

Basic Investment Home Loan

Variable Rate
3.78%pa

3.83%pa comparison rate*
1 Year Fixed Rate
-
2 Year Fixed Rate
-
3 Year Fixed Rate
-
4 Year Fixed Rate
-
5 Year Fixed Rate
-

Standard Investment Home Loan

Variable Rate
5.33%pa

5.38%pa comparison rate*
1 Year Fixed Rate
3.89%pa

5.24%pa comparison rate*
2 Year Fixed Rate
3.75%pa

5.09%pa comparison rate*
3 Year Fixed Rate
3.75%pa

4.96%pa comparison rate*
4 Year Fixed Rate
4.04%pa

4.93%pa comparison rate*
5 Year Fixed Rate
3.94%pa

4.80%pa comparison rate*

Platinum Investment Home Loan

Variable Rate
4.23%pa

4.62%pa comparison rate*
1 Year Fixed Rate
3.79%pa

4.58%pa comparison rate*
2 Year Fixed Rate
3.65%pa

4.52%pa comparison rate*
3 Year Fixed Rate
3.65%pa

4.47%pa comparison rate*
4 Year Fixed Rate
3.94%pa

4.52%pa comparison rate*
5 Year Fixed Rate
3.84%pa

4.46%pa comparison rate*

Platinum Professional Investment Home Loan

Variable Rate
4.08%pa

4.48%pa comparison rate*
1 Year Fixed Rate
3.69%pa

4.44%pa comparison rate*
2 Year Fixed Rate
3.55%pa

4.38%pa comparison rate*
3 Year Fixed Rate
3.55%pa

4.34%pa comparison rate*
4 Year Fixed Rate
3.84%pa

4.40%pa comparison rate*
5 Year Fixed Rate
3.74%pa

4.34%pa comparison rate*
Fees & Charges

Basic Investment Home Loan

Standard Investment Home Loan

Platinum Investment Home Loan

Platinum Professional Investment Home Loan

Establishment Fee
$699 $699 - -
Establishment Fee (Construction Loans)
- - $699 $699
Annual Fee
- - $400 $400
Other Fees
Property Valuation
$300 $300 $300 $300
Progress Draw Fee (construction loans)
$110 $110 $110 $110
Legal Fee
$430 $430 $430 $430
Legal Fee (Trust Deed Review)
$132 $132 $132 $132
Security Variation
$300 $300 $300 $300
Product Switch
$300 $300 $300 $300
Redraw (Online / in branch)
$10 / $25 $10 / $25 $0 / $25 $0 / $25
Loan Top-up
$250 $250 $250 $250
Security Guarantee
$50 $50 $50 $50
Changes to Loan Contract
$150 $150 $150 $150
Direct Debit Dishonour Fee
$15 $15 $15 $15
Discharge Fee
$300 $300 $300 $300
Offset Facility (Monthly Fee)
- $5 $0 $0
Mortgage Security Registration Fee
Subject to State Government Requirements Subject to State Government Requirements Subject to State Government Requirements Subject to State Government Requirements
Break Cost Fee (fixed rate loans)
Refer to Loan Contract Refer to Loan Contract Refer to Loan Contract Refer to Loan Contract
Lenders' Mortgage Insurance
Price Available on Application Price Available on Application Price Available on Application Price Available on Application
Mortgage Stamp Duty
Subject to State Government Requirements Subject to State Government Requirements Subject to State Government Requirements Subject to State Government Requirements
Compare

Basic Investment Home Loan

Establishment Fee
$699
Establishment Fee (Construction Loans)
-
Annual Fee
-

Standard Investment Home Loan

Establishment Fee
$699
Establishment Fee (Construction Loans)
-
Annual Fee
-

Platinum Investment Home Loan

Establishment Fee
-
Establishment Fee (Construction Loans)
$699
Annual Fee
$400

Platinum Professional Investment Home Loan

Establishment Fee
-
Establishment Fee (Construction Loans)
$699
Annual Fee
$400
Other Fees
Compare

Basic Investment Home Loan

Property Valuation
$300
Progress Draw Fee (construction loans)
$110
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Product Switch
$300
Redraw (Online / in branch)
$10 / $25
Loan Top-up
$250
Security Guarantee
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Offset Facility (Monthly Fee)
-
Mortgage Security Registration Fee
Subject to State Government Requirements
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 Investment Home Loan

Property Valuation
$300
Progress Draw Fee (construction loans)
$110
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Product Switch
$300
Redraw (Online / in branch)
$10 / $25
Loan Top-up
$250
Security Guarantee
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Offset Facility (Monthly Fee)
$5
Mortgage Security Registration Fee
Subject to State Government Requirements
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

Platinum Investment Home Loan

Property Valuation
$300
Progress Draw Fee (construction loans)
$110
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Offset Facility (Monthly Fee)
$0
Mortgage Security Registration Fee
Subject to State Government Requirements
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

Platinum Professional Investment Home Loan

Property Valuation
$300
Progress Draw Fee (construction loans)
$110
Legal Fee
$430
Legal Fee (Trust Deed Review)
$132
Security Variation
$300
Product Switch
$300
Redraw (Online / in branch)
$0 / $25
Loan Top-up
$250
Security Guarantee
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15
Discharge Fee
$300
Offset Facility (Monthly Fee)
$0
Mortgage Security Registration Fee
Subject to State Government Requirements
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
  • 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. Principle & Interest rates shown. For Interest Only lending rates, refer to our loan interest rate schedule.

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

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...

Read More
Lenders Mortgage Insurance (LMI) Explained

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...

Read More
What do comparison rates tell us?

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,...

Read More
What’s your credit score?

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...

Read More