Lender profile · Home loans
LiveSouthern Cross Credit Union home loans
Southern Cross Credit Union also offers savings accounts, term deposits and personal loans · Provider overview →
As of 18 September 2026, Southern Cross Credit Union has seven home loan products in 303 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.28% (PREMIUM HOME LOAN), ranking 34th of 107 variable owner-occupier P&I loans and sitting 0.48 points below the market average of 6.76%.
- Lowest comparison rate
- 6.28%
- PREMIUM HOME LOAN
- Market rank
- #34
- of 107 variable owner-occupier P&I loans
- Products
- 7
- 303 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variantWhat changed
No changes recorded for Southern Cross Credit Union's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 78 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80–95% LVR · offset account · redraw · 78 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80–95% LVR · offset account · redraw · 72 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 72 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account · redraw · no ongoing fee
7.38%#43 of 68comparison · 7.58% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $150
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
7.89%#47 of 68comparison · 7.83% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · no ongoing fee
8.48%#63 of 80advertised · no comparison rate published
- Application fee
- $699
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
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