Southern Cross Credit Union home loans

Southern Cross Credit Union
Southern Cross Credit Union's overall rating for home loans

(as rated by the Mozo community)

9.3 / 10

based on 4 reviews

Southern Cross Credit Union 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 with our home loan comparison tools.

Rates and fees verified as correct at 15 November, 2018. Other information correct at the time of writing.

What home loans do Southern Cross Credit Union 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 ‡

4.44% p.a.

5.38% p.a.

$0.00

$1,579

3.99% p.a.

4.96% p.a.

$0.00

$1,579

4.19% p.a.

4.92% p.a.

$400.00 yearly

$880

3.99% p.a.

4.58% p.a.

$400.00 yearly

$880

4.14% p.a.

4.76% p.a.

$400.00 yearly

$880

3.89% p.a.

4.41% p.a.

$400.00 yearly

$880

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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 ‡

3.68% p.a.

3.74% p.a.

$0.00

$880

4.58% p.a.

5.02% p.a.

$400.00 yearly

$880

4.18% p.a.

4.63% p.a.

$400.00 yearly

$880

4.38% p.a.

4.83% p.a.

$400.00 yearly

$880

3.98% p.a.

4.44% p.a.

$400.00 yearly

$880

3.68% p.a.variable for 12 months and then 4.18% p.a.

4.59% p.a.

$400.00 yearly

$880

3.68% p.a.variable for 12 months and then 3.98% p.a.

4.41% p.a.

$400.00 yearly

$880

5.58% p.a.

5.69% p.a.

$0.00

$1,579

5.18% p.a.

5.29% p.a.

$0.00

$1,579

3.68% p.a.variable for 12 months and then 5.18% p.a.

5.14% p.a.

$0.00

$1,579

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*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.

‡ 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.

How are Southern Cross Credit Union home loans rated?

Southern Cross Credit Union home loans

Overall 9.3

Price

Features

Customer service

Convenience

Trust

4 Reviews

Recent Southern Cross Credit Union home loan reviews Recent Southern Cross Credit Union home loan reviews

Southern Cross Credit Union

Southern Cross Credit Union home loan review

Overall rating   10 / 10

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.

Full review

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.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tony, New South Wales, reviewed almost 8 years ago

Southern Cross Credit Union

Southern Cross Credit Union home loan review

Overall rating   7 / 10

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.

Full review

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.

    Price   5 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Claudia, New South Wales, reviewed over 8 years ago

Southern Cross Credit Union

Southern Cross Credit Union home loan review

Overall rating   10 / 10

very good service friendly people very helpful in all things i have nothing bad to say about them

Full review

very good service friendly people very helpful in all things i have nothing bad to say about them

    Price   8 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   4 / 10

    Trust   10 / 10

Less

Craig, New South Wales, reviewed over 8 years ago

Southern Cross Credit Union

Southern Cross Credit Union home loan review

Overall rating   10 / 10

I have had very good service over 25 years.

Full review

I have had very good service over 25 years.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Christine, New South Wales, reviewed almost 9 years ago

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What do you need to apply for a Southern Cross Credit Union home loan? What do you need to apply for a Southern Cross Credit Union 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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