PREMIUM HOME LOAN
Suitable for Investment and Owner Occupied residential borrowing. LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)
Home loansBank updated 7 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 5.93%6.28% comparison
- Variable (investor P&I)
- 6.13%
- Fixed
- 1 yr 6.14%, 2 yrs 6.24%, 3 yrs 6.34%, 4 yrs 6.54%, 5 yrs 6.64%
- Max LVR
- 98%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 5.93% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | Lowest of 104 |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.14% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 2nd lowest of 82 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.24% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 3rd lowest of 84 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.34% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 3rd lowest of 80, level with one other |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 7th lowest of 63, level with 2 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.13% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 4th lowest of 104 |
Rates
Every rate SCCU publishes for this home loan, 102 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%5.93%
- 1 yr fixedtypical 6.59%6.14%
- 2 yrs fixedtypical 6.62%6.24%
- 3 yrs fixedtypical 6.69%6.34%
- 4 yrs fixed6.54%
- 5 yrs fixedtypical 6.89%6.64%
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%5.93%
- 60–80%5.93%
- 80–95%5.93%
- 80–98%6.13%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 1 yr fixed | ≤60% LVR | 6.54% | 6.52% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 1 yr fixed | 60–80% LVR | 6.54% | 6.52% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 1 yr fixed | 80–95% LVR | 6.54% | 6.52% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 1 yr fixed | 80–95% LVR | 6.94% | 7.00% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 2 yrs fixed | ≤60% LVR | 6.64% | 6.58% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 2 yrs fixed | 60–80% LVR | 6.64% | 6.58% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 2 yrs fixed | 80–95% LVR | 6.64% | 6.58% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 2 yrs fixed | 80–95% LVR | 7.14% | 7.20% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 3 yrs fixed | ≤60% LVR | 6.74% | 6.65% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 3 yrs fixed | 60–80% LVR | 6.74% | 6.65% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 3 yrs fixed | 80–95% LVR | 6.74% | 6.65% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 3 yrs fixed | 80–95% LVR | 7.24% | 7.15% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 4 yrs fixed | ≤60% LVR | 6.94% | 6.77% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 4 yrs fixed | 60–80% LVR | 6.94% | 6.77% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 4 yrs fixed | 80–95% LVR | 6.94% | 6.77% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 4 yrs fixed | 80–95% LVR | 7.44% | 7.27% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 5 yrs fixed | ≤60% LVR | 7.04% | 6.88% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 5 yrs fixed | 60–80% LVR | 7.04% | 6.88% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 5 yrs fixed | 80–95% LVR | 7.04% | 6.88% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | 5 yrs fixed | 80–95% LVR | 7.54% | 7.38% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 1 yr fixed | ≤60% LVR | 6.34% | 6.50% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 1 yr fixed | 60–80% LVR | 6.34% | 6.50% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 1 yr fixed | 80–95% LVR | 6.34% | 6.50% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 1 yr fixed | 80–95% LVR | 6.74% | 6.98% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 2 yrs fixed | ≤60% LVR | 6.44% | 6.54% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 2 yrs fixed | 60–80% LVR | 6.44% | 6.54% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 2 yrs fixed | 80–95% LVR | 6.44% | 6.54% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 2 yrs fixed | 80–95% LVR | 6.94% | 7.03% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 3 yrs fixed | ≤60% LVR | 6.54% | 6.59% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 3 yrs fixed | 60–80% LVR | 6.54% | 6.59% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 3 yrs fixed | 80–95% LVR | 6.54% | 6.59% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 3 yrs fixed | 80–95% LVR | 7.04% | 7.09% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 4 yrs fixed | ≤60% LVR | 6.74% | 6.70% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 4 yrs fixed | 60–80% LVR | 6.74% | 6.70% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 4 yrs fixed | 80–95% LVR | 6.74% | 6.70% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 4 yrs fixed | 80–95% LVR | 7.24% | 7.20% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 5 yrs fixed | ≤60% LVR | 6.84% | 6.79% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 5 yrs fixed | 60–80% LVR | 6.84% | 6.79% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 5 yrs fixed | 80–95% LVR | 6.84% | 6.79% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, P&I | 5 yrs fixed | 80–95% LVR | 7.34% | 7.29% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 1 yr fixed | ≤60% LVR | 6.34% | 6.32% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 1 yr fixed | 60–80% LVR | 6.34% | 6.32% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 1 yr fixed | 80–95% LVR | 6.34% | 6.32% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 1 yr fixed | 80–95% LVR | 6.74% | 6.80% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 2 yrs fixed | ≤60% LVR | 6.44% | 6.38% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 2 yrs fixed | 60–80% LVR | 6.44% | 6.38% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 2 yrs fixed | 80–95% LVR | 6.44% | 6.38% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 2 yrs fixed | 80–95% LVR | 6.94% | 6.87% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 3 yrs fixed | ≤60% LVR | 6.54% | 6.45% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 3 yrs fixed | 60–80% LVR | 6.54% | 6.45% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 3 yrs fixed | 80–95% LVR | 6.54% | 6.45% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 3 yrs fixed | 80–95% LVR | 7.04% | 6.95% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 4 yrs fixed | ≤60% LVR | 6.74% | 6.57% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 4 yrs fixed | 60–80% LVR | 6.74% | 6.57% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 4 yrs fixed | 80–95% LVR | 6.74% | 6.57% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 4 yrs fixed | 80–95% LVR | 7.24% | 7.07% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 5 yrs fixed | ≤60% LVR | 6.84% | 6.68% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 5 yrs fixed | 60–80% LVR | 6.84% | 6.68% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 5 yrs fixed | 80–95% LVR | 6.84% | 6.68% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | 5 yrs fixed | 80–95% LVR | 7.34% | 7.18% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 1 yr fixed | ≤60% LVR | 6.14% | 6.30% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 1 yr fixed | 60–80% LVR | 6.14% | 6.30% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 1 yr fixed | 80–95% LVR | 6.14% | 6.30% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 1 yr fixed | 80–95% LVR | 6.54% | 6.78% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied, P&I | 1 yr fixed | 80–98% LVR | 6.34% | 6.58% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 2 yrs fixed | ≤60% LVR | 6.24% | 6.34% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 2 yrs fixed | 60–80% LVR | 6.24% | 6.34% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 2 yrs fixed | 80–95% LVR | 6.24% | 6.34% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 2 yrs fixed | 80–95% LVR | 6.74% | 6.83% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied, P&I | 2 yrs fixed | 80–98% LVR | 6.44% | 6.54% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 3 yrs fixed | ≤60% LVR | 6.34% | 6.40% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 3 yrs fixed | 60–80% LVR | 6.34% | 6.40% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 3 yrs fixed | 80–95% LVR | 6.34% | 6.40% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 3 yrs fixed | 80–95% LVR | 6.84% | 6.89% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied, P&I | 3 yrs fixed | 80–98% LVR | 6.54% | 6.59% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry | Owner occupied, P&I | 4 yrs fixed | ≤60% LVR | 6.54% | 6.50% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 4 yrs fixed | 60–80% LVR | 6.54% | 6.50% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 4 yrs fixed | 80–95% LVR | 6.54% | 6.50% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 4 yrs fixed | 80–95% LVR | 7.04% | 7.00% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied, P&I | 4 yrs fixed | 80–98% LVR | 6.74% | 6.70% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 5 yrs fixed | ≤60% LVR | 6.64% | 6.59% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 5 yrs fixed | 60–80% LVR | 6.64% | 6.59% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 5 yrs fixed | 80–95% LVR | 6.64% | 6.59% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, P&I | 5 yrs fixed | 80–95% LVR | 7.14% | 7.09% | - |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied, P&I | 5 yrs fixed | 80–98% LVR | 6.84% | 6.79% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
| VariableInterest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | - | ≤60% LVR | 6.33% | 6.56% | - |
| VariableInterest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | - | 60–80% LVR | 6.33% | 6.56% | - |
| VariableInterest Only options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | - | 80–95% LVR | 6.33% | 6.56% | - |
| VariableInterest Only options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment, Interest only | - | 80–95% LVR | 6.83% | 7.06% | - |
| Variable | Investment, P&I | - | ≤60% LVR | 6.13% | 6.48% | - |
| Variable | Investment, P&I | - | 60–80% LVR | 6.13% | 6.48% | - |
| Variable | Investment, P&I | - | 80–95% LVR | 6.13% | 6.48% | - |
| Variable | Investment, P&I | - | 80–95% LVR | 6.63% | 6.97% | - |
| VariableInterest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | - | ≤60% LVR | 6.13% | 6.37% | - |
| VariableInterest Only options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | - | 60–80% LVR | 6.13% | 6.37% | - |
| VariableInterest Only Options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | - | 80–95% LVR | 6.13% | 6.37% | - |
| VariableInterest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied, Interest only | - | 80–95% LVR | 6.63% | 6.86% | - |
| Variable | Owner occupied, P&I | - | ≤60% LVR | 5.93% | 6.28% | - |
| Variable | Owner occupied, P&I | - | 60–80% LVR | 5.93% | 6.28% | - |
| Variable | Owner occupied, P&I | - | 80–95% LVR | 5.93% | 6.28% | - |
| Variable | Owner occupied, P&I | - | 80–95% LVR | 6.43% | 6.77% | - |
| Variable | Owner occupied, P&I | - | 80–98% LVR | 6.13% | 6.48% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
Rate changes
50 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, ≤60% LVR | 6.49% | 6.54% | up 0.05 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, 60–80% LVR | 6.49% | 6.54% | up 0.05 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, ≤60% LVR | 6.49% | 6.64% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 60–80% LVR | 6.49% | 6.64% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, ≤60% LVR | 6.59% | 6.74% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 60–80% LVR | 6.59% | 6.74% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, ≤60% LVR | 6.69% | 6.94% | up 0.25 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 60–80% LVR | 6.69% | 6.94% | up 0.25 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, ≤60% LVR | 6.68% | 7.04% | up 0.36 |
| 8 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 60–80% LVR | 6.68% | 7.04% | up 0.36 |
| 8 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, ≤60% LVR | 6.29% | 6.34% | up 0.05 |
| 8 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, 60–80% LVR | 6.29% | 6.34% | up 0.05 |
| 8 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, ≤60% LVR | 6.29% | 6.44% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 60–80% LVR | 6.29% | 6.44% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, ≤60% LVR | 6.39% | 6.54% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 60–80% LVR | 6.39% | 6.54% | up 0.15 |
| 8 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, ≤60% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, 60–80% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, ≤60% LVR | 6.49% | 6.84% | up 0.35 |
| 8 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 60–80% LVR | 6.49% | 6.84% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 1 yr fixed, ≤60% LVR | 6.29% | 6.34% | up 0.05 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 1 yr fixed, 60–80% LVR | 6.29% | 6.34% | up 0.05 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤60% LVR | 6.29% | 6.44% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 60–80% LVR | 6.29% | 6.44% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤60% LVR | 6.39% | 6.54% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 60–80% LVR | 6.39% | 6.54% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤60% LVR | 6.39% | 6.74% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 4 yrs fixed, 60–80% LVR | 6.39% | 6.74% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤60% LVR | 6.49% | 6.84% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 60–80% LVR | 6.49% | 6.84% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, ≤60% LVR | 6.09% | 6.14% | up 0.05 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, 60–80% LVR | 6.09% | 6.14% | up 0.05 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, 80–98% LVR | 6.29% | 6.34% | up 0.05 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, ≤60% LVR | 6.09% | 6.24% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 60–80% LVR | 6.09% | 6.24% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 80–98% LVR | 6.29% | 6.44% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, ≤60% LVR | 6.19% | 6.34% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 60–80% LVR | 6.19% | 6.34% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 80–98% LVR | 6.39% | 6.54% | up 0.15 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, ≤60% LVR | 6.29% | 6.54% | up 0.25 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, 60–80% LVR | 6.29% | 6.54% | up 0.25 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, 80–98% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, ≤60% LVR | 6.29% | 6.64% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 60–80% LVR | 6.29% | 6.64% | up 0.35 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 80–98% LVR | 6.49% | 6.84% | up 0.35 |
| 8 Oct 2026 | Variable, Investment, Interest only, ≤60% LVR | 6.43% | 6.33% | down 0.10 |
| 8 Oct 2026 | Variable, Investment, Interest only, 60–80% LVR | 6.43% | 6.33% | down 0.10 |
| 8 Oct 2026 | Variable, Owner occupied, Interest only, ≤60% LVR | 6.23% | 6.13% | down 0.10 |
| 8 Oct 2026 | Variable, Owner occupied, Interest only, 60–80% LVR | 6.23% | 6.13% | down 0.10 |
| 8 Oct 2026 | Variable, Owner occupied, P&I, 80–98% LVR | 6.23% | 6.13% | down 0.10 |
Each change is logged the night it appears in the rates Southern Cross Credit Union publishes. See how every lender answered the RBA on the rate tracker.
Fees
18 fees published, grouped by when they're charged.
While you hold it1
- ANNUAL_PACKAGE_FEE
An annually charged fee that is applied to the customer's first funded home loan but covers this loan and all subsequent home loans under the package.
$395 a year
When you make a transaction4
- BREAK_COST_FEE
May be applicable if a FIXED rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate
No fee - FIXED_RATE_LOCK_FEE
May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request
0.15% of transaction - PROPERTY_VALUATION_FEE
This fee covers the cost of valuing your property. When valuation is required, cost may vary dependant on a number of factors. Cost will be confirmed prior to ordering.
No fee - REDRAW_IN_BRANCH
Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only
$25
When particular things happen13
- CONSTRUCTION_LOAN_PROGRESS_FEE
Applicable to construction loans only when progressive payments are made to your builder.
$450 - DEPOSIT_BOND_HANDLING
Fee charged to assist with the completion and submission of a Deposit Bond application
$110 - GUARANTOR_SECURITY_VARIATION
Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security
$300 - HOME_LOAN_LEGAL_FEE
A one off fee required to document and settle your loan.
$430 - HOME_LOAN_PRODUCT_SWITCH
Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.
$300 - HOME_LOAN_SECURITY_VARIATION
When there is a variation made to the security used for an existing loan agreement. Charged per security.
$300 - HOME_LOAN_TRUST_DEED_LEGAL_FEE
A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan.
$132 - HOME_LOAN_VARIATION
When there is a variation made to an existing home loan agreement. For example change to remaining loan term, altering repaymentsand principal reduction
$300 - LOAN_CONSOLIDATION
Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans.
$300 - LOAN_DISCHARGE_FEE
This fee covers the costs associated with releasing your title and is charged per security discharged
$150 - LOAN_TOP-UP
Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans
$300 - RECONTRACTING_FEE
Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.
$150 - SECURITY_GUARANTEE_FEE
If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.
$200
Features
Offset accountRedrawExtra repayments
- Construction loans available
- Loan terms up to 40years available
- Interest Only options available
- Additional benefits such as 60-80%LVR rates for loans over 80%LVR and no requirement for LMI up to 90% LVR for applicants on Professional list such as Medical, Health, Legal and Financial Professiona…
Eligibility and limits
- Minimum age 18
- Residency: Must be an Australian Citizen or permanent resident, with an Australian residential address
- Available to individuals
- Amount from $250,000, no maximum
- Maximum LVR 98%
- Meet SCCU assessment criteria and capacity demonstrated to repay the loan
- Provide acceptable residential mortgage security which must be insured with SCCU noted as interested party
- Meet all scheme criteria if utilising the Australian Gov 5% deposit scheme
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Published by Southern Cross Credit Union under the Consumer Data Right, last changed by them on 7 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.