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Southern Cross Credit Union · Home loan · Variable
LiveEMONEY HOME LOAN
As of 18 September 2026, the Southern Cross Credit Union EMONEY HOME LOAN's variable owner-occupier P&I variant has a comparison rate of 6.28% (5.93% advertised), ranking 34th of 107 variable owner-occupier P&I loans and sitting 0.48 points below the market average of 6.76%. The product comes in 72 variants; the others are investor, interest-only, fixed-rate and other LVR bands.
6.28%comparison rate p.a.
5.93% advertised · Variable · P&I · Owner-occupier · 60–80% LVR
71 other variants: investor, interest-only, fixed-rate and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 60–80% LVR- EMONEY HOME LOAN · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.28% comparison · 5.93% advertised
- Variable · P&I · Owner-occupier · 60–80% LVR
- 6.28% comparison · 5.93% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 6.28% comparison · 5.93% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.41% comparison · 6.23% advertised
- Variable · Interest Only · Owner-occupier · 60–80% LVR
- 6.41% comparison · 6.23% advertised
- Variable · Interest Only · Owner-occupier · 80–95% LVR
- 6.41% comparison · 6.23% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.48% comparison · 6.13% advertised
- Variable · P&I · Investor · 60–80% LVR
- 6.48% comparison · 6.13% advertised
- Variable · P&I · Investor · 80–95% LVR
- 6.48% comparison · 6.13% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.61% comparison · 6.43% advertised
- Variable · Interest Only · Investor · 60–80% LVR
- 6.61% comparison · 6.43% advertised
- Variable · Interest Only · Investor · 80–95% LVR
- 6.61% comparison · 6.43% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.30% comparison · 6.09% advertised
- 1yr Fixed · P&I · Owner-occupier · 60–80% LVR
- 6.30% comparison · 6.09% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.30% comparison · 6.09% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 6.32% comparison · 6.29% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
- 6.32% comparison · 6.29% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 6.32% comparison · 6.29% advertised
- 1yr Fixed · P&I · Investor · ≤60% LVR
- 6.49% comparison · 6.29% advertised
- 1yr Fixed · P&I · Investor · 60–80% LVR
- 6.49% comparison · 6.29% advertised
- 1yr Fixed · P&I · Investor · 80–95% LVR
- 6.49% comparison · 6.29% advertised
- 1yr Fixed · Interest Only · Investor · ≤60% LVR
- 6.51% comparison · 6.49% advertised
- 1yr Fixed · Interest Only · Investor · 60–80% LVR
- 6.51% comparison · 6.49% advertised
- 1yr Fixed · Interest Only · Investor · 80–95% LVR
- 6.51% comparison · 6.49% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.31% comparison · 6.09% advertised
- 2yr Fixed · P&I · Owner-occupier · 60–80% LVR
- 6.31% comparison · 6.09% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.31% comparison · 6.09% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 6.35% comparison · 6.29% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
- 6.35% comparison · 6.29% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 6.35% comparison · 6.29% advertised
- 2yr Fixed · P&I · Investor · ≤60% LVR
- 6.51% comparison · 6.29% advertised
- 2yr Fixed · P&I · Investor · 60–80% LVR
- 6.51% comparison · 6.29% advertised
- 2yr Fixed · P&I · Investor · 80–95% LVR
- 6.51% comparison · 6.29% advertised
- 2yr Fixed · Interest Only · Investor · ≤60% LVR
- 6.55% comparison · 6.49% advertised
- 2yr Fixed · Interest Only · Investor · 60–80% LVR
- 6.55% comparison · 6.49% advertised
- 2yr Fixed · Interest Only · Investor · 80–95% LVR
- 6.55% comparison · 6.49% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.35% comparison · 6.19% advertised
- 3yr Fixed · P&I · Owner-occupier · 60–80% LVR
- 6.35% comparison · 6.19% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.35% comparison · 6.19% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 6.41% comparison · 6.39% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
- 6.41% comparison · 6.39% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 6.41% comparison · 6.39% advertised
- 3yr Fixed · P&I · Investor · ≤60% LVR
- 6.55% comparison · 6.39% advertised
- 3yr Fixed · P&I · Investor · 60–80% LVR
- 6.55% comparison · 6.39% advertised
- 3yr Fixed · P&I · Investor · 80–95% LVR
- 6.55% comparison · 6.39% advertised
- 3yr Fixed · Interest Only · Investor · ≤60% LVR
- 6.61% comparison · 6.59% advertised
- 3yr Fixed · Interest Only · Investor · 60–80% LVR
- 6.61% comparison · 6.59% advertised
- 3yr Fixed · Interest Only · Investor · 80–95% LVR
- 6.61% comparison · 6.59% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.41% comparison · 6.29% advertised
- 4yr Fixed · P&I · Owner-occupier · 60–80% LVR
- 6.41% comparison · 6.29% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.41% comparison · 6.29% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 6.45% comparison · 6.39% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
- 6.45% comparison · 6.39% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 6.45% comparison · 6.39% advertised
- 4yr Fixed · P&I · Investor · ≤60% LVR
- 6.61% comparison · 6.49% advertised
- 4yr Fixed · P&I · Investor · 60–80% LVR
- 6.61% comparison · 6.49% advertised
- 4yr Fixed · P&I · Investor · 80–95% LVR
- 6.61% comparison · 6.49% advertised
- 4yr Fixed · Interest Only · Investor · ≤60% LVR
- 6.68% comparison · 6.69% advertised
- 4yr Fixed · Interest Only · Investor · 60–80% LVR
- 6.68% comparison · 6.69% advertised
- 4yr Fixed · Interest Only · Investor · 80–95% LVR
- 6.68% comparison · 6.69% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.44% comparison · 6.29% advertised
- 5yr Fixed · P&I · Owner-occupier · 60–80% LVR
- 6.44% comparison · 6.29% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.44% comparison · 6.29% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
- 6.52% comparison · 6.49% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
- 6.52% comparison · 6.49% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 6.52% comparison · 6.49% advertised
- 5yr Fixed · P&I · Investor · ≤60% LVR
- 6.63% comparison · 6.49% advertised
- 5yr Fixed · P&I · Investor · 60–80% LVR
- 6.63% comparison · 6.49% advertised
- 5yr Fixed · P&I · Investor · 80–95% LVR
- 6.63% comparison · 6.49% advertised
- 5yr Fixed · Interest Only · Investor · ≤60% LVR
- 6.72% comparison · 6.68% advertised
- 5yr Fixed · Interest Only · Investor · 60–80% LVR
- 6.72% comparison · 6.68% advertised
- 5yr Fixed · Interest Only · Investor · 80–95% LVR
- 6.72% comparison · 6.68% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Maximum loan
- $6,000,000
About this product
Suitable for Investment and Owner Occupied residential borrowing with LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)