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Southern Cross Credit Union Standard Home Loan

The details shown below are for an owner occupier taking out a principal & interest, interest only loan between $10,000 and $250,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $10,000 and $250,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan between $10,000 and $250,000 with an LVR below 95%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest, Interest Only)

    LVR < 95%

    Loan: $10,000 $250,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $10,000 $250,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $10,000 $250,000

Rate
4.53% p.a.
Comparison Rate*
4.63% p.a.
Service fee
$0.00
Upfront fee
$1,429
Rate
4.93% p.a.
Comparison Rate*
5.03% p.a.
Service fee
$0.00
Upfront fee
$1,429
Rate
5.33% p.a.
Comparison Rate*
5.43% p.a.
Service fee
$0.00
Upfront fee
$1,429

Details

Rates and fees information correct as at 22 October 2020. 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
  • 4.53% p.a.

  • n/a

  • n/a

  • n/a

  • 4.63% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $699.00

  • $430.00

  • $300.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $10,000

  • $250,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • Receive $2,000 cash back for new loans of at least $250,000 for applications received by 3 November 2020 and settled by 31 January 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 22 October 2020. 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
  • 4.93% p.a.

  • n/a

  • n/a

  • n/a

  • 5.03% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $699.00

  • $430.00

  • $300.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $10,000

  • $250,000

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*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 22 October 2020. 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
  • 5.33% p.a.

  • n/a

  • n/a

  • n/a

  • 5.43% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $699.00

  • $430.00

  • $300.00

  • $0.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $10,000

  • $250,000

  • none

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*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 Standard Home Loan

  • Overall 4/10
    I wouldn't recommend SCCU.

    When we first moved to SCCU, I negotiated a very good rate and they promised us good rates and that they would look after us. Since then SCCU has absorbed for themselves well over 50 percent of the reserve bank interest rate reductions instead of passing them on to us. They don't seem to have any system whereby the rates are passed directly on to the customer. You have go call the BBC bank a week after the reserve bank cut to ask why your rate hasnt dropped. On one recent Reserve bank cut they passed on 0 percent of the cut to me. I would not recommend SCCU.

    Read full review

    When we first moved to SCCU, I negotiated a very good rate and they promised us good rates and that they would look after us. Since then SCCU has absorbed for themselves well over 50 percent of the reserve bank interest rate reductions instead of passing them on to us. They don't seem to have any system whereby the rates are passed directly on to the customer. You have go call the BBC bank a week after the reserve bank cut to ask why your rate hasnt dropped. On one recent Reserve bank cut they passed on 0 percent of the cut to me. I would not recommend SCCU.

    Price
    4/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    8/10
    Trust
    3/10
    Less
    Robyn, New South Wales reviewed 7 months ago
Southern Cross Credit Union

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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2.49% p.a. variable

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3.28% p.a.

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2.59% p.a. variable

2.76% p.a.

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2.54% p.a.

2.81% p.a.

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loans.com.au

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Smart Home Loan

2.48% p.a.

2.50% p.a.

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HSBC

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2.59% p.a.

2.60% p.a.

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Athena

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AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

Promoted

Homestar

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Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

Promoted

UBank

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UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

Promoted

loans.com.au

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Fixed Home Loan

n/a

n/a

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HSBC

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Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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Homestar

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Star Classic Fixed Home Loan

2.06% p.a.
fixed 3 years

2.38% p.a.

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n/a

n/a

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Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

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Bank of Queensland

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2.25% p.a.
fixed 3 years

3.41% p.a.

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2.39% p.a.
fixed 3 years

3.08% p.a.

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2.49% p.a.
fixed 3 years

3.07% p.a.

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2.54% p.a.

2.81% p.a.

$248.00 yearly

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Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

Promoted

UBank

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UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

$0.00

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

$0.00

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Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

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IMB Bank

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Budget Home Loan

2.61% p.a.

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$0.00

*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.