Learn More About Our Range Of Loans

See why people are making the switch!
Need finance for a property, car, holiday or something else? We could help you with our range of flexible loans.

Home Loans

Are you a First Home Buyer, thinking about a new property or looking to refinance an existing home loan? We could help you get into your new place sooner with one of our home loans.

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Home Loans

Investment Loans

Planning to buy an investment property? Looking to refinance an existing investment home loan? We can help with our range of flexible investment home loans.

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Investment Loans

Personal Loans

Looking to buy a new car, renovate your home or take a much needed holiday? Our Personal Loans could help with no ongoing or early repayment fees.

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Personal Loans

Calculators

‘Run the numbers’ on your home loan, personal loan and savings goals using our calculators and key fact sheets.

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Calculators

Premium Home Loan Owner Occupied (P&I)

5.99

%
P.A

3-Year Fixed rate^

6.40

%
P.A

Comparison Rate*

Premium Home Loan Owner Occupied (P&I)

Loans from $250k
Less than LVR 80%
For New Business Only#

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The Little Details

Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.

Credit eligibility criteria, terms and conditions, fees and charges apply. Advertised Interest rates subject to change without notice.

*The comparison rate is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.

#Available for new business only. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.

^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!

Joanna Tedeschi

Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.

Rod and Suzy Cornelius

Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.

Kylie Taylor

We are writing to compliment SCCU for the excellent care, efficiency and exceptional customer service which we have received over the past many months of our build from Emma Northcott. Emma has combined professionalism, attention to details, accuracy, excellent communication and helpful consideration in managing our loan and the periodic payments requested by the builder. In our opinion she has gone above and beyond what we would have expected from a Lending Operations Specialist, and her handling of our account will highly contribute to our recommendations of SCCU to friends and family. Thanking you sincerely

Stan and Zetta Michaels

Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have. We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team. Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her. I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.

Peter & Melissa

We recently approached Southern Cross Credit Union to investigate the refinancing of three home loans. We were referred to SCCU by our Local Surf Club – Cudgen Headland Surf Lifesaving Club through the Community Rewards Partnership that they had recently entered into. We had been dealing with a couple of the big 4 banks for the past 20 years. From our initial meeting, though regular emails and phone calls to the final signing of documentation, everyone at SCCU was a pleasure to deal with. We are very happy with our move to SCCU and are looking forward to a long and prosperous relationship. We would encourage everyone to evaluate their current situation and give SCCU a call, you will not be disappointed. SCCU made banking personal again.

Gavin & Sally

First Home Buyer Firsts: Costs Involved

We’re getting closer, can you feel it? Quick recap, we have looked at building a budget and the various government schemes/grants that are available to boost your deposit. Now it’s time to pull those resources together and go through the initial costs involved when buying a home and the possible...

We’re getting closer, can you feel it? Quick recap, we have looked at building a budget and the various...

Buying Your First Home, Home Loans For First Time Buyers, First Buyer Home, Buying A House, First Home Buyer

You’ve had the dream home in your head for years. Sure, the couch colour has changed a few times, the pool has got bigger, and you’re still teetering between kitchen styles but now the time has finally come and you’re ready to buy your very first home with a...

You’ve had the dream home in your head for years. Sure, the couch colour has changed a few times,...

Achieving the dream of home ownership can be one of the most exciting times in your life. At times however, it can seem unattainable due to how long it takes to save a deposit. Lenders' Mortgage Insurance (LMI) enables us to accept deposits less than 20% for some home...

Achieving the dream of home ownership can be one of the most exciting times in your life. At times...

Southern Cross Credit Union been recognised, winning Mozo Expert Choice Award for their New Vehicle Loan Product. CEO Stuart Edwards shares, “We are very proud to achieve this award and recognition which supports our mutual ethos and commitment to providing ongoing value to our customers and community. We are so appreciative...

Southern Cross Credit Union been recognised, winning Mozo Expert Choice Award for their New Vehicle Loan Product. CEO Stuart Edwards...

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