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Southern Cross Credit Union Home Loans

Compare home loan rates from Southern Cross Credit Union.

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Southern Cross Credit Union

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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".

Data indicated here is updated regularly
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Loan purpose
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Southern Cross Credit Union Basic Home Loan - LVR < 80% (Investor, P&I)
3.43%
3.48%
$699
$0 p.a.
80%
Southern Cross Credit Union Basic Home Loan - LVR < 80% (Owner occupier, P&I)
3.03%
3.08%
$699
$0 p.a.
80%
Southern Cross Credit Union Standard Home Loan - 2 Year Fixed Rate (Owner Occupier, P&I)
2.59%
4.23%
$699
$0 p.a.
95%
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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

Looking for more mortgage options?

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.

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