Why choose Southern Cross Credit Union

Benefits

  • Discounted rates available.
  • Flexible repayment features.
  • Moderate to low rates.

Drawbacks

  • Loans require large deposits.
  • Limited local branch access.

Southern Cross Credit Union Home Loans

Loan amount

$

Minimum deposit

Loan type & Term

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Compare
Company
Product
Premium Home Loan (Owner Occupied)
Real Time Rating™
Features
Owner Occupied
20% min deposit
P&I
Offset Account
Australian Credit Licence 241000
Interest Rate
Comparison Rate*
Repayment

5.98%

p.a

Variable

6.03%

p.a

$2,251

monthly

Go to site
Australian Credit Licence 241000
Compare
Company
Product
Premium Home Loan (Owner Occupied)
Real Time Rating™
Features
Owner Occupied
20% min deposit
P&I
Offset Account
Australian Credit Licence 241000
Interest Rate
Comparison Rate*
Repayment

6.29%

p.a

Fixed - 1 year

6.06%

p.a

$2,318

monthly

Go to site
Australian Credit Licence 241000
Compare
Company
Product
Premium Home Loan (Owner Occupied)
Real Time Rating™
Features
Owner Occupied
20% min deposit
P&I
Offset Account
Australian Credit Licence 241000
Interest Rate
Comparison Rate*
Repayment

6.19%

p.a

Fixed - 2 years

6.07%

p.a

$2,296

monthly

Go to site
Australian Credit Licence 241000
Compare
Company
Product
Premium Home Loan (Owner Occupied)
Real Time Rating™
Features
Owner Occupied
20% min deposit
P&I
Offset Account
Australian Credit Licence 241000
Interest Rate
Comparison Rate*
Repayment

6.19%

p.a

Fixed - 3 years

6.09%

p.a

$2,296

monthly

Go to site
Australian Credit Licence 241000
Compare
Company
Product
Premium Home Loan (Owner Occupied)
Real Time Rating™
Features
Owner Occupied
20% min deposit
P&I
Offset Account
Australian Credit Licence 241000
Interest Rate
Comparison Rate*
Repayment

6.39%

p.a

Fixed - 5 years

6.21%

p.a

$2,339

monthly

Go to site
Australian Credit Licence 241000

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 5.98%

Total interest payable

$0

Total loan repayments

$0

Southern Cross Credit Union customer service

Home loan customers can contact the Southern Cross Credit Union through a number of channels. These include a general customer phone line, an online enquiry form or via email. Customers can also meet with Southern Cross staff in person at one of their local NSW branches.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

How to Apply

Southern Cross Credit Union gives potential customers a number of options when applying for a home loan. These include contacting a SCCU home loan specialist by phone, email or in person at one of their local branches. Customers can also start their application via an online form on the Southern Cross Credit Union website and emailing it to a lending specialist. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification material.
  • Details and type of employment.
  • Proof of incomes, including assets, rent and other earning.
  • Details regarding current debts, expenses, loans and liabilities.
  • Personal insurance documents.