Southern Cross Credit Union logo

Southern Cross Credit Union Basic Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan of at least $250,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $250,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $250,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $250,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $250,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $250,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $250,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $250,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $250,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $250,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $250,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $250,000 with an LVR below 95%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $250,000

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $250,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $250,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $250,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $250,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $250,000

  • Investor (Principal & Interest)

    LVR 80%-95%

    Loan: $250,000

  • Investor (Principal & Interest)

    LVR 80%-95%

    Loan: $250,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000

  • Investor (Interest Only)

    LVR 80%-95%

    Loan: $250,000

  • Investor (Interest Only)

    LVR 80%-95%

    Loan: $250,000

Rate
2.78% p.a.
Comparison Rate
2.83% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.03% p.a.
Comparison Rate
3.08% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
2.98% p.a.
Comparison Rate
3.03% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.33% p.a.
Comparison Rate
3.38% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.08% p.a.
Comparison Rate
3.13% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.43% p.a.
Comparison Rate
3.48% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.28% p.a.
Comparison Rate
3.33% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.63% p.a.
Comparison Rate
3.68% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.28% p.a.
Comparison Rate
3.33% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.73% p.a.
Comparison Rate
3.78% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.48% p.a.
Comparison Rate
3.53% p.a.
Service fee
$0.00
Upfront fee
$650
Rate
3.93% p.a.
Comparison Rate
3.98% p.a.
Service fee
$0.00
Upfront fee
$650

Mozo editorial review Southern Cross Credit Union Basic Home Loan

Last updated: 1 December 2020.

binocular icon
What's hot
  • Low 2.78% variable rate (2.83% comparison rate*)
  • Free extra repayments
  • Zero ongoing service fee
What's not
  • $430 legal fee
  • $300 discharge fee
Mozo snapshot

With a competitive 2.78% variable interest rate (2.83% comparison rate*) and no ongoing service fees to worry about throughout the life of the loan, Southern Cross Credit Union’s Basic Home Loan could be the mortgage you’ve been waiting for. The loan even comes with the ability to make extra repayments for free!

key icon
Key features

An interest rate can really make or break a home loan. But with a low variable rate of 2.78% (2.88% comparison rate*) for owner occupiers making principal and interest repayments and 3.08% (3.13% comparison rate*) for investors, the Basic Home Loan from Southern Cross Credit Union really delivers.

When it comes to borrowing, both owner occupiers and investors will be able to take out a loan between $10,000 and $400,000 with a maximum LVR of 80% (meaning a deposit of at least 20% is needed). And while this is a variable rate loan, there is a split account option which means you’ll be able to split the Basic Home Loan into two parts - one with a variable rate and the other with a fixed rate.

Southern Cross Credit Union also gives it’s Basic Home Loan customers access to a number of handy features including the opportunity to get on top of their loan by making extra repayments (for fee) and to tap into any extra repayments which are made through the online redraw facility ($10 fee per redraw).

When it comes to the other costs associated with the Basic Home Loan, Southern Cross Credit Union doesn’t charge an application fee or any ongoing service fees. However, borrowers may need to pay a legal fee ($430), valuation fee ($220) and settlement fee ($150) at the start of the loan, as well as a discharge fee ($300) once the loan is paid out in full.

snapshot
Who is it good for

The Basic Home Loan from Southern Cross Credit Union with it’s competitive rates could be a great value option for both owner occupiers and investors alike, especially for those looking for a split rate option or the chance to make free extra repayments.

question icon
Any catches

While the Basic Home Loan doesn’t come with any application or ongoing service fees, there are a number of other costs (including legal, valuation, settlement and discharge fees) that borrowers will need to take into account.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.78% p.a.

  • n/a

  • n/a

  • n/a

  • 2.83% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • Special Offer Variable Rate available to new business only.

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.03% p.a.

  • n/a

  • n/a

  • n/a

  • 3.08% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.98% p.a.

  • n/a

  • n/a

  • n/a

  • 3.03% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • Special Offer Variable Rate available to new business only.

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.33% p.a.

  • n/a

  • n/a

  • n/a

  • 3.38% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.08% p.a.

  • n/a

  • n/a

  • n/a

  • 3.13% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • Special Offer Variable Rate available to new business only.

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.43% p.a.

  • n/a

  • n/a

  • n/a

  • 3.48% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.28% p.a.

  • n/a

  • n/a

  • n/a

  • 3.33% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • 80.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • Special Offer Variable Rate available to new business only.

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.63% p.a.

  • n/a

  • n/a

  • n/a

  • 3.68% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • 80.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.28% p.a.

  • n/a

  • n/a

  • n/a

  • 3.33% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • Special Offer Variable Rate available to new business only.

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.73% p.a.

  • n/a

  • n/a

  • n/a

  • 3.78% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.48% p.a.

  • n/a

  • n/a

  • n/a

  • 3.53% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • 80.00%

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • Special Offer Variable Rate available to new business only.

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Details

Rates and fees information correct as at 23 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.93% p.a.

  • n/a

  • n/a

  • n/a

  • 3.98% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $430.00

  • $220.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $250,000

  • none

  • 80.00%

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • none

  • $699 Establishment fee waived for applications made by 31 January 2021 and settled by 31 March 2021.

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.

Customer Reviews

How are Southern Cross Credit Union home loans rated by the Mozo community?

Price
5.6/10
Features
5.5/10
Customer service
7.1/10
Convenience
7.2/10
Trust
6.1/10

Latest review of Southern Cross Credit Union Basic Home Loan

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About Southern Cross Credit Union

Southern Cross Credit Union has a range of financial products and services for its members. Southern Cross offers an extensive range of products in home, personal, business and investment loans, low doc loans, a range of debit card options, savings accounts, term deposits and insurance products for its members.

See Southern Cross Credit Union home loans

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2.73% p.a.

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2.53% p.a.

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2.20% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

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Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

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People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

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loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.99% p.a.
fixed 3 years

3.64% p.a.

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Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

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UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

$0.00

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

$0.00

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

$0.00

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

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Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

$0.00

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Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

$0.00

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Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

$0.00

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GMCU

Basic Variable

2.33% p.a.variable for 24 months and then 3.82% p.a.

3.71% p.a.

$8.00 monthly

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.