SCCU
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 11 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 5.93% · 6.28% comparison
- Variable (investor P&I)
- 6.13%
- Fixed
- 1 yr 6.09% · 2 yrs 6.09% · 3 yrs 6.19% · 4 yrs 6.29% · 5 yrs 6.29%
- Max LVR
- 98%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 102
| 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 | 6.49% | 6.51% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 1 yr fixed | 60–80% LVR | 6.49% | 6.51% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 1 yr fixed | 80–95% LVR | 6.49% | 6.51% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 1 yr fixed | 80–95% LVR | 6.89% | 7.26% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 2 yrs fixed | ≤60% LVR | 6.49% | 6.55% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 2 yrs fixed | 60–80% LVR | 6.49% | 6.55% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 2 yrs fixed | 80–95% LVR | 6.49% | 6.55% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 2 yrs fixed | 80–95% LVR | 6.89% | 7.25% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 3 yrs fixed | ≤60% LVR | 6.59% | 6.61% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 3 yrs fixed | 60–80% LVR | 6.59% | 6.61% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 3 yrs fixed | 80–95% LVR | 6.59% | 6.61% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 3 yrs fixed | 80–95% LVR | 6.99% | 7.28% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 4 yrs fixed | ≤60% LVR | 6.69% | 6.68% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 4 yrs fixed | 60–80% LVR | 6.69% | 6.68% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 4 yrs fixed | 80–95% LVR | 6.69% | 6.68% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 4 yrs fixed | 80–95% LVR | 7.09% | 7.32% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 5 yrs fixed | ≤60% LVR | 6.68% | 6.72% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 5 yrs fixed | 60–80% LVR | 6.68% | 6.72% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 5 yrs fixed | 80–95% LVR | 6.68% | 6.72% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · Interest only | 5 yrs fixed | 80–95% LVR | 7.09% | 7.34% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 1 yr fixed | ≤60% LVR | 6.29% | 6.49% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 1 yr fixed | 60–80% LVR | 6.29% | 6.49% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 1 yr fixed | 80–95% LVR | 6.29% | 6.49% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 1 yr fixed | 80–95% LVR | 6.69% | 7.24% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 2 yrs fixed | ≤60% LVR | 6.29% | 6.51% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 2 yrs fixed | 60–80% LVR | 6.29% | 6.51% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 2 yrs fixed | 80–95% LVR | 6.29% | 6.51% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 2 yrs fixed | 80–95% LVR | 6.69% | 7.21% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 3 yrs fixed | ≤60% LVR | 6.39% | 6.55% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 3 yrs fixed | 60–80% LVR | 6.39% | 6.55% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 3 yrs fixed | 80–95% LVR | 6.39% | 6.55% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 3 yrs fixed | 80–95% LVR | 6.79% | 7.22% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 4 yrs fixed | ≤60% LVR | 6.49% | 6.61% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 4 yrs fixed | 60–80% LVR | 6.49% | 6.61% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 4 yrs fixed | 80–95% LVR | 6.49% | 6.61% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 4 yrs fixed | 80–95% LVR | 6.89% | 7.25% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 5 yrs fixed | ≤60% LVR | 6.49% | 6.63% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 5 yrs fixed | 60–80% LVR | 6.49% | 6.63% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 5 yrs fixed | 80–95% LVR | 6.49% | 6.63% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Investment · P&I | 5 yrs fixed | 80–95% LVR | 6.89% | 7.25% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 1 yr fixed | ≤60% LVR | 6.29% | 6.32% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 1 yr fixed | 60–80% LVR | 6.29% | 6.32% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 1 yr fixed | 80–95% LVR | 6.29% | 6.32% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 1 yr fixed | 80–95% LVR | 6.69% | 7.06% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 2 yrs fixed | ≤60% LVR | 6.29% | 6.35% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 2 yrs fixed | 60–80% LVR | 6.29% | 6.35% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 2 yrs fixed | 80–95% LVR | 6.29% | 6.35% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 2 yrs fixed | 80–95% LVR | 6.69% | 7.06% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 3 yrs fixed | ≤60% LVR | 6.39% | 6.41% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 3 yrs fixed | 60–80% LVR | 6.39% | 6.41% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 3 yrs fixed | 80–95% LVR | 6.39% | 6.41% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 3 yrs fixed | 80–95% LVR | 6.79% | 7.08% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 4 yrs fixed | ≤60% LVR | 6.39% | 6.45% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 4 yrs fixed | 60–80% LVR | 6.39% | 6.45% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 4 yrs fixed | 80–95% LVR | 6.39% | 6.45% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 4 yrs fixed | 80–95% LVR | 6.89% | 7.13% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 5 yrs fixed | ≤60% LVR | 6.49% | 6.52% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 5 yrs fixed | 60–80% LVR | 6.49% | 6.52% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 5 yrs fixed | 80–95% LVR | 6.49% | 6.52% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · Interest only | 5 yrs fixed | 80–95% LVR | 6.89% | 7.14% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 1 yr fixed | ≤60% LVR | 6.09% | 6.30% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 1 yr fixed | 60–80% LVR | 6.09% | 6.30% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 1 yr fixed | 80–95% LVR | 6.09% | 6.30% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 1 yr fixed | 80–95% LVR | 6.49% | 7.04% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied · P&I | 1 yr fixed | 80–98% LVR | 6.29% | 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 | 6.09% | 6.31% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 2 yrs fixed | 60–80% LVR | 6.09% | 6.31% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 6.09% | 6.31% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 6.49% | 7.02% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied · P&I | 2 yrs fixed | 80–98% LVR | 6.29% | 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 | 3 yrs fixed | ≤60% LVR | 6.19% | 6.35% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 3 yrs fixed | 60–80% LVR | 6.19% | 6.35% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 6.19% | 6.35% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 6.59% | 7.03% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied · P&I | 3 yrs fixed | 80–98% LVR | 6.39% | 6.62% | 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 | 6.29% | 6.41% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 4 yrs fixed | 60–80% LVR | 6.29% | 6.41% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 4 yrs fixed | 80–95% LVR | 6.29% | 6.41% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 4 yrs fixed | 80–95% LVR | 6.69% | 7.05% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied · P&I | 4 yrs fixed | 80–98% LVR | 6.49% | 6.67% | 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 | 6.29% | 6.44% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 5 yrs fixed | 60–80% LVR | 6.29% | 6.44% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 5 yrs fixed | 80–95% LVR | 6.29% | 6.44% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier upon expiry. | Owner occupied · P&I | 5 yrs fixed | 80–95% LVR | 6.69% | 7.05% | — |
| FixedRate reverts to variable PI rate of applicable LVR tier | Owner occupied · P&I | 5 yrs fixed | 80–98% LVR | 6.49% | 6.69% | 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 | 6.43% | 6.61% | — |
| 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 | 6.43% | 6.61% | — |
| 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 | 6.43% | 6.61% | — |
| 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 | 7.23% | 7.40% | — |
| 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 | 6.93% | 7.26% | — |
| 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 | 6.23% | 6.41% | — |
| 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 | 6.23% | 6.41% | — |
| 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 | 6.23% | 6.41% | — |
| 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 | 7.03% | 7.20% | — |
| 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 | 6.73% | 7.07% | — |
| Variable | Owner occupied · P&I | — | 80–98% LVR | 6.23% | 6.57% | Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria |
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| BREAK_COST_FEE | Cash advance | No 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 |
| FIXED_RATE_LOCK_FEE | Cash advance | 0.15% of transaction | — | May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request |
| PROPERTY_VALUATION_FEE | Cash advance | No 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. |
| CONSTRUCTION_LOAN_PROGRESS_FEE | Event | $450 | — | Applicable to construction loans only when progressive payments are made to your builder. |
| DEPOSIT_BOND_HANDLING | Event | $110 | — | Fee charged to assist with the completion and submission of a Deposit Bond application |
| GUARANTOR_SECURITY_VARIATION | Event | $300 | — | Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security |
| HOME_LOAN_LEGAL_FEE | Event | $430 | — | A one off fee required to document and settle your loan. |
| HOME_LOAN_PRODUCT_SWITCH | Event | $300 | — | 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. |
| HOME_LOAN_SECURITY_VARIATION | Event | $300 | — | When there is a variation made to the security used for an existing loan agreement. Charged per security. |
| HOME_LOAN_TRUST_DEED_LEGAL_FEE | Event | $132 | — | A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan. |
| HOME_LOAN_VARIATION | Event | $300 | — | When there is a variation made to an existing home loan agreement. For example change to remaining loan term, altering repaymentsand principal reduction |
| LOAN_CONSOLIDATION | Event | $300 | — | Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans. |
| LOAN_DISCHARGE_FEE | Event | $150 | — | This fee covers the costs associated with releasing your title and is charged per security discharged |
| LOAN_TOP-UP | Event | $300 | — | 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 |
| RECONTRACTING_FEE | Event | $150 | — | Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee. |
| SECURITY_GUARANTEE_FEE | Event | $200 | — | 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. |
| ANNUAL_PACKAGE_FEE | Periodic | $395 | Every 1 yr | 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. |
| REDRAW_IN_BRANCH | Transaction | $25 | — | Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only |
§ 03 — 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…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be an Australian Citizen or permanent resident, with an Australian residential address
- · Available to individuals
- · Amount $250,000 to 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
§ 05 — Compare
§ 06 — Run the numbers
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Published by Southern Cross Credit Union under the Consumer Data Right, last changed by them on 11 Sept 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.