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SCU home loans

Compare home loans offered by the credit union SCU.

Everything you need to know about SCU mortgages is on this page. Skip ahead to the full table of products or read more about SCU home loan products and offers below.

Compare SCU home loans

Compare SCU home loans using the table below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to start your application process.

Rates last updated April 24th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.87%
3.92%
$200
$0 p.a.
95%
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
3.99%
4.15%
$200
$0 p.a.
95%
A competitive, flexible fixed rate home loan.
3.69%
3.89%
$200
$0 p.a.
95%
A competitive rate with no application fee.

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SCU lender profile

  • SCU is a credit union that was established in 1963. It offers savings and term deposit accounts, debit and credit cards, insurance and financial planning.
  • SCU boasts a wide range of home loans. Some of SCU's products offer offset accounts and redraw facility whilst their basic home loans offer competitive interest rates and easy-to-manage benefits.
  • As a credit union, SCU is not a listed company and is under no pressure to maximise profits for shareholders. Instead, SCU focuses on putting its profits towards serving its members.

SCU mortgage features

SCU has home loans for investors and owner occupiers, with fixed and variable rates.

FeatureDetails
Deposit sizeYou can borrow up to 95% with some SCU mortgages such as the SCU Fixed rate for Owner Occupiers as well as the SCU My Life Fixed Rate home loan.
Offset accountThe SCU My Life Variable Rate Home Loan comes with a 100% offset account.
Redraw facilitySome SCU home loans offer unlimited free redraw, such as the The SCU My Life Variable Rate Home Loan

How do I apply for an SCU mortgage?

You can learn more about a specific SCU mortgage by clicking through to that product's review page. Clicking the Enquire Now button will let you enter your details and start the process of talking to an SCU lending specialist.

Eligibility

Each SCU product have specific eligibility criteria. Some criteria will apply to all products, these include:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with SCU you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

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