Southern Cross Credit Union home loans

2.6
Based on 9 Southern Cross Credit Union home loan product reviews.
Fact Checked

Established in 1966, Southern Cross Credit Union has been meeting the banking needs of the Northern Rivers community of New South Wales for over 50 years. The credit union offers a range of home loan options for all types of borrowers, including a number of former Mozo Experts Choice Award winning loans. To find out more about the variable and fixed home loans available with Southern Cross Credit Union, including the interest rates, fees and features on offer, read on below. 

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Last updated 22 November 2024 Important disclosures and comparison rate warning*

Southern Cross Credit Union home loans

  • Premium Home Loan

    • Owner Occupier
    • Principal & Interest
    • Fixed
    • <80%
    Interest rate
    5.99 % p.a.
    Fixed 3 years
    Comparison rate
    6.40 % p.a.
    Initial monthly repayment
    $2,995
    Link not supplied

  • Standard Fixed Home Loan

    • Owner Occupier
    • Principal & Interest
    • Fixed
    Interest rate
    6.09 % p.a.
    Fixed 3 years
    Comparison rate
    7.13 % p.a.
    Initial monthly repayment
    $3,027
    Link not supplied

  • Premium Home Loan

    • Investment
    • Principal & Interest
    • Fixed
    • <80%
    Interest rate
    6.19 % p.a.
    Fixed 3 years
    Comparison rate
    6.59 % p.a.
    Initial monthly repayment
    $3,059
    Link not supplied

  • Standard Fixed Home Loan

    • Investment
    • Principal & Interest
    • Fixed
    Interest rate
    6.29 % p.a.
    Fixed 3 years
    Comparison rate
    7.32 % p.a.
    Initial monthly repayment
    $3,092
    Link not supplied

  • Premium Home Loan

    • Owner Occupier
    • Principal & Interest
    • LVR <80%
    Interest rate
    6.48 % p.a.
    Variable
    Comparison rate
    6.53 % p.a.
    Initial monthly repayment
    $3,154
    Link not supplied

  • Premium Home Loan

    • Investment
    • Principal & Interest
    • LVR<80%
    Interest rate
    6.68 % p.a.
    Variable
    Comparison rate
    6.73 % p.a.
    Initial monthly repayment
    $3,220
    Link not supplied

  • Standard Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    7.48 % p.a.
    Variable
    Comparison rate
    7.54 % p.a.
    Initial monthly repayment
    $3,489
    Link not supplied

  • Standard Home Loan

    • Investment
    • Principal & Interest
    Interest rate
    7.68 % p.a.
    Variable
    Comparison rate
    7.74 % p.a.
    Initial monthly repayment
    $3,558
    Link not supplied

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Southern Cross Credit Union home loan ratings

Overall customer rating for Southern Cross Credit Union home loans

2.6
Based on 9 product reviews.

Customer reviews

Important disclosures

Southern Cross Credit Union products

Home loan quick links


* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.