Southern Cross Credit Union home loans

Southern Cross Credit Union

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 the whole market with our home loan comparison tools.

Rates and fees verified as correct at 19 August, 2017. 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.

5.14% p.a.

$0.00

$699

4.29% p.a.

4.99% p.a.

$0.00

$699

4.34% p.a.

4.83% p.a.

$400.00 yearly

$0

4.14% p.a.

4.56% p.a.

$400.00 yearly

$0

4.24% p.a.

4.66% p.a.

$400.00 yearly

$0

4.05% p.a.

4.40% p.a.

$400.00 yearly

$0


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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 ‡

4.48% p.a.

4.87% p.a.

$400.00 yearly

$0

4.18% p.a.

4.57% p.a.

$400.00 yearly

$0

4.28% p.a.

4.67% p.a.

$400.00 yearly

$0

3.98% p.a.

4.38% p.a.

$400.00 yearly

$0

5.33% p.a.

5.38% p.a.

$0.00

$699

5.18% p.a.

5.23% p.a.

$0.00

$699

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

5.08% p.a.

$0.00

$699


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How are Southern Cross Credit Union home loans rated?

Southern Cross Credit Union home loans

There are no ratings yet for Southern Cross Credit Union home loans.

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

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.

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 (NSW), reviewed over 6 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.

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 (NSW), reviewed about 7 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

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 (NSW), reviewed about 7 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.

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 (NSW), reviewed over 7 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 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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