SCU home loans

SCU
SCU's overall rating for home loans

(as rated by the Mozo community)

9.4 / 10

based on 5 reviews

SCU home loans offer a range of packages for different needs. Check out our range of home loans for an overview of interest rates, fees and more. Or you can compare the whole market with our home loan comparison tools.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

What home loans do SCU offer?

Fixed Rate Home Loans Fixed Rate Home Loans

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.69% p.a.

4.70% p.a.

$0.00

$673

3.69% p.a.

4.70% p.a.

$0.00

$673


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Variable Rate Home Loans Variable Rate Home Loans

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.49% p.a.

4.54% p.a.

$0.00

$673

5.00% p.a.

5.05% p.a.

$0.00

$673


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Fixed Package Home Loan Fixed Package Home Loan

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.69% p.a.

4.32% p.a.

$350.00 yearly

$0


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Variable Package Home Loan Variable Package Home Loan

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.07% p.a.

4.42% p.a.

$350.00 yearly

$0

3.97% p.a.

4.32% p.a.

$350.00 yearly

$0

3.87% p.a.

4.23% p.a.

$350.00 yearly

$0

4.40% p.a.

4.45% p.a.

$0.00

$673

4.65% p.a.

4.70% p.a.

$0.00

$673


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How are SCU home loans rated?

SCU home loans

Overall 9.4*

Price

Features

Customer service

Convenience

Trust

5 Reviews

* Overall rating based on reviews in the past 12 months.

Recent SCU home loan reviews Recent SCU home loan reviews

SCU

SCU home loan review

Overall rating   9 / 10

yes

I left a major bank to become a member, they gave me my home loan and I had never banked with them before. Their rates are on par with the other lenders, but their customer service rates are so much higher than the banks. They know you by name...

Full review

I left a major bank to become a member, they gave me my home loan and I had never banked with them before. Their rates are on par with the other lenders, but their customer service rates are so much higher than the banks. They know you by name and take an interest in you, nothing is ever an effort. All my family and friends now bank with them.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Michelle (NSW), reviewed over 1 year ago

SCU

SCU Variable Rate Home Loan home loan review

Overall rating   10 / 10

Customer service

This credit union has such a personal service. Even though I applied online the service was excellent. They answered all my questions and met all my needs.

Full review

This credit union has such a personal service. Even though I applied online the service was excellent. They answered all my questions and met all my needs.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Stephanie (NSW), reviewed over 1 year ago

SCU

SCU Basic Home Loan home loan review

Overall rating   10 / 10

The best to do business with

Sydney Credit Union (when I had a mortgage) was the best bank to deal with. They were fair, always ready to explain things and were very happy when I paid out the mortgage early.

Full review

Sydney Credit Union (when I had a mortgage) was the best bank to deal with. They were fair, always ready to explain things and were very happy when I paid out the mortgage early.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mozo reviewer (NSW), reviewed almost 2 years ago

SCU

SCU home loan review

Overall rating   10 / 10

Fabulous

My bank is always there for me, continuous help and kindness, friendly staff who actually know who I am. Even now and then we will receive a hello phone call just to see how we are going. Exceptional :)

Full review

My bank is always there for me, continuous help and kindness, friendly staff who actually know who I am. Even now and then we will receive a hello phone call just to see how we are going. Exceptional :)

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Narelle (QLD), reviewed almost 2 years ago

SCU

SCU Pro Pack Home Loan (over $250k) (Package) home loan review

Overall rating   8 / 10

Great service and features

Great service, great interest rate. Just lacks the online flexibility to change and update certain things.

Full review

Great service, great interest rate. Just lacks the online flexibility to change and update certain things.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   8 / 10

Less

Damien (NSW), reviewed almost 2 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a SCU home loan? What do you need to apply for a SCU home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)
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