Southern Cross Credit Union Home Loans

Compare home loan rates from Southern Cross Credit Union.

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Southern Cross Credit Union

On this page you can find information about Southern Cross Credit Union home loans. Skip ahead to the full table of products or read more about the lender.

Compare Southern Cross Credit Union home loans

Compare Southern Cross Credit Union home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".

Rates last updated October 20th, 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
2.79%
4.14%
$0
$400 p.a.
95%
$1,000 cashback when borrowing $250,000 or more. Conditions apply. Variable rate mortgage with a 100% offset account. Available with a low deposit. Southern Cross Credit Union home loans are only available to borrowers in Southeast Queensland and Northern NSW.
3.78%
3.83%
$699
$0 p.a.
80%
3.48%
3.53%
$699
$0 p.a.
80%

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Southern Cross Credit Union lender profile

  • Southern Cross Credit Union (SCCU) is a community owned and operated banking institution serving the Northern Rivers region of Australia. By reinvesting any profits earned by the institution, they are able to offer members competitive rates and fees for their line of banking products including their home loan packages.
  • You will first have to become a member of the credit union before applying for any home loan product. As part of the application you will need to supply your membership number.

How do I apply for a Southern Cross Credit Union mortgage?

Clicking the green button on Southern Cross Credit Union's comparison table will start your application process. Once you leave your details a representative from the lender will get in touch.

Eligibility

Each Southern Cross Credit Union product has specific eligibility criteria but some will apply to all products. For example:

  • 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 Southern Cross Credit Union 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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UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

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

Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.

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Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)

Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.

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