Southern Cross Credit Union home loans offer a range of packages for different needs, including the award-winning Basic Home Loan which took out a 2019 Mozo Experts Choice Award in the best Investor Home Loan category.
Check out our range of home loans for an overview of interest rates, fees and more. Or you can compare with our home loan comparison tools.
Rates and fees verified as correct at 18 November, 2019. Other information correct at the time of writing.
| Product | Fixed 3 year rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 3.80% p.a. | 5.20% p.a. | $0.00 | $1,429 | ||
| 3.65% p.a. | 4.87% p.a. | $0.00 | $1,429 | ||
| 3.30% p.a. | 4.49% p.a. | $0.00 | $1,429 | ||
| 3.70% p.a. | 4.65% p.a. | $400.00 yearly | $730 | ||
| 3.55% p.a. | 4.39% p.a. | $400.00 yearly | $730 | ||
| 3.20% p.a. | 4.02% p.a. | $400.00 yearly | $730 | ||
| 3.60% p.a. | 4.51% p.a. | $400.00 yearly | $730 | ||
| 3.45% p.a. | 4.97% p.a. | $400.00 yearly | $730 | ||
| 3.10% p.a. | 3.88% p.a. | $400.00 yearly | $730 |
| Product | Rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 3.93% p.a. | 4.03% p.a. | $0.00 | $1,429 | ||
| 3.63% p.a. | 3.73% p.a. | $0.00 | $1,429 | ||
| 3.33% p.a. | 3.43% p.a. | $0.00 | $1,429 | ||
| 4.38% p.a. | 4.82% p.a. | $400.00 yearly | $730 | ||
| 4.08% p.a. | 4.53% p.a. | $400.00 yearly | $730 | ||
| 3.68% p.a. | 4.14% p.a. | $400.00 yearly | $730 | ||
| 4.23% p.a. | 4.68% p.a. | $400.00 yearly | $730 | ||
| 3.93% p.a. | 4.38% p.a. | $400.00 yearly | $730 | ||
| 3.53% p.a. | 3.99% p.a. | $400.00 yearly | $730 | ||
| 2.79% p.a.variable for 12 months and then 3.68% p.a. | 4.06% p.a. | $400.00 yearly | $880 | ||
| 5.58% p.a. | 5.68% p.a. | $0.00 | $1,429 | ||
| 5.18% p.a. | 5.28% p.a. | $0.00 | $1,429 | ||
| 4.78% p.a. | 4.88% p.a. | $0.00 | $1,429 |
‡ 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.
The management and staff are very helpful and understanding. They all seem to go the extra yard to make sure we can continue business with them. I highly recommend them.
The management and staff are very helpful and understanding. They all seem to go the extra yard to make sure we can continue business with them. I highly recommend them.
Tony, New South Wales, reviewed almost 9 years ago
For me this product is perfect. The service at teh credit union is very friendly and personal so you can speak directly to the bank manager (an actual person) whenever you need to and they are very informed and competitive.
For me this product is perfect. The service at teh credit union is very friendly and personal so you can speak directly to the bank manager (an actual person) whenever you need to and they are very informed and competitive.
Claudia, New South Wales, reviewed over 9 years ago
very good service friendly people very helpful in all things i have nothing bad to say about them
very good service friendly people very helpful in all things i have nothing bad to say about them
Craig, New South Wales, reviewed over 9 years ago
I have had very good service over 25 years.
I have had very good service over 25 years.
Christine, New South Wales, reviewed almost 10 years ago
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