BankMate

Southern Cross Credit Union home loans

Southern Cross Credit Union has one home loan that BankMate tracks, with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only.

Home loan · Variable

PREMIUM HOME LOAN

Rate
Loan for
Repayments
Deposit

6.28%comparison rate p.a. · 5.93% advertised · With a package · $395 a year

Variable · P&I · Owner-occupier · 60–80% LVR

13th of 93 variable owner-occupier P&I loans

Go to Southern Cross Credit Union

The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$150
Compare all 321 home loans
Compare Southern Cross Credit Union side by side

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
6.77% comparison · 6.43% advertised
Variable · Interest Only · Owner-occupier · ≤60% LVR
6.37% comparison · 6.13% advertised
Variable · Interest Only · Owner-occupier · 60–80% LVR
6.37% comparison · 6.13% advertised
Variable · Interest Only · Owner-occupier · 80–95% LVR
6.37% comparison · 6.13% 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
6.97% comparison · 6.63% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.56% comparison · 6.33% advertised
Variable · Interest Only · Investor · 60–80% LVR
6.56% comparison · 6.33% advertised
Variable · Interest Only · Investor · 80–95% LVR
6.56% comparison · 6.33% advertised
1yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.30% comparison · 6.14% advertised
1yr Fixed · P&I · Owner-occupier · 60–80% LVR
6.30% comparison · 6.14% advertised
1yr Fixed · P&I · Owner-occupier · 80–95% LVR
6.30% comparison · 6.14% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
6.32% comparison · 6.34% advertised
1yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
6.32% comparison · 6.34% advertised
1yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
6.32% comparison · 6.34% advertised
1yr Fixed · P&I · Investor · ≤60% LVR
6.50% comparison · 6.34% advertised
1yr Fixed · P&I · Investor · 60–80% LVR
6.50% comparison · 6.34% advertised
1yr Fixed · P&I · Investor · 80–95% LVR
6.50% comparison · 6.34% advertised
1yr Fixed · Interest Only · Investor · ≤60% LVR
6.52% comparison · 6.54% advertised
1yr Fixed · Interest Only · Investor · 60–80% LVR
6.52% comparison · 6.54% advertised
1yr Fixed · Interest Only · Investor · 80–95% LVR
6.52% comparison · 6.54% advertised
2yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.34% comparison · 6.24% advertised
2yr Fixed · P&I · Owner-occupier · 60–80% LVR
6.34% comparison · 6.24% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR
6.34% comparison · 6.24% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
6.38% comparison · 6.44% advertised
2yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
6.38% comparison · 6.44% advertised
2yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
6.38% comparison · 6.44% advertised
2yr Fixed · P&I · Investor · ≤60% LVR
6.54% comparison · 6.44% advertised
2yr Fixed · P&I · Investor · 60–80% LVR
6.54% comparison · 6.44% advertised
2yr Fixed · P&I · Investor · 80–95% LVR
6.54% comparison · 6.44% advertised
2yr Fixed · Interest Only · Investor · ≤60% LVR
6.58% comparison · 6.64% advertised
2yr Fixed · Interest Only · Investor · 60–80% LVR
6.58% comparison · 6.64% advertised
2yr Fixed · Interest Only · Investor · 80–95% LVR
6.58% comparison · 6.64% advertised
3yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.40% comparison · 6.34% advertised
3yr Fixed · P&I · Owner-occupier · 60–80% LVR
6.40% comparison · 6.34% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR
6.40% comparison · 6.34% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
6.45% comparison · 6.54% advertised
3yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
6.45% comparison · 6.54% advertised
3yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
6.45% comparison · 6.54% advertised
3yr Fixed · P&I · Investor · ≤60% LVR
6.59% comparison · 6.54% advertised
3yr Fixed · P&I · Investor · 60–80% LVR
6.59% comparison · 6.54% advertised
3yr Fixed · P&I · Investor · 80–95% LVR
6.59% comparison · 6.54% advertised
3yr Fixed · Interest Only · Investor · ≤60% LVR
6.65% comparison · 6.74% advertised
3yr Fixed · Interest Only · Investor · 60–80% LVR
6.65% comparison · 6.74% advertised
3yr Fixed · Interest Only · Investor · 80–95% LVR
6.65% comparison · 6.74% advertised
4yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.50% comparison · 6.54% advertised
4yr Fixed · P&I · Owner-occupier · 60–80% LVR
6.50% comparison · 6.54% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR
6.50% comparison · 6.54% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
6.57% comparison · 6.74% advertised
4yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
6.57% comparison · 6.74% advertised
4yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
6.57% comparison · 6.74% advertised
4yr Fixed · P&I · Investor · ≤60% LVR
6.70% comparison · 6.74% advertised
4yr Fixed · P&I · Investor · 60–80% LVR
6.70% comparison · 6.74% advertised
4yr Fixed · P&I · Investor · 80–95% LVR
6.70% comparison · 6.74% advertised
4yr Fixed · Interest Only · Investor · ≤60% LVR
6.77% comparison · 6.94% advertised
4yr Fixed · Interest Only · Investor · 60–80% LVR
6.77% comparison · 6.94% advertised
4yr Fixed · Interest Only · Investor · 80–95% LVR
6.77% comparison · 6.94% advertised
5yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.59% comparison · 6.64% advertised
5yr Fixed · P&I · Owner-occupier · 60–80% LVR
6.59% comparison · 6.64% advertised
5yr Fixed · P&I · Owner-occupier · 80–95% LVR
6.59% comparison · 6.64% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR
6.68% comparison · 6.84% advertised
5yr Fixed · Interest Only · Owner-occupier · 60–80% LVR
6.68% comparison · 6.84% advertised
5yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
6.68% comparison · 6.84% advertised
5yr Fixed · P&I · Investor · ≤60% LVR
6.79% comparison · 6.84% advertised
5yr Fixed · P&I · Investor · 60–80% LVR
6.79% comparison · 6.84% advertised
5yr Fixed · P&I · Investor · 80–95% LVR
6.79% comparison · 6.84% advertised
5yr Fixed · Interest Only · Investor · ≤60% LVR
6.88% comparison · 7.04% advertised
5yr Fixed · Interest Only · Investor · 60–80% LVR
6.88% comparison · 7.04% advertised
5yr Fixed · Interest Only · Investor · 80–95% LVR
6.88% comparison · 7.04% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$150
Package (a package)
$395 a year
Redraw fee
None

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$250,000

  • PREMIUM HOME LOAN · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.28% p.a. today

October 20261 change

  1. 8Thu
    • 62 variants moved in both directions
      Variable · P&I · Owner-occupier · 80–95% LVR6.286.77+0.49
      Variable · Interest Only · Owner-occupier · ≤60% LVR6.416.37−0.04
      Variable · Interest Only · Owner-occupier · 60–80% LVR6.416.37−0.04
      Variable · Interest Only · Owner-occupier · 80–95% LVR6.416.37−0.04
      Variable · P&I · Investor · 80–95% LVR6.486.97+0.49
      Variable · Interest Only · Investor · ≤60% LVR6.616.56−0.05
      Variable · Interest Only · Investor · 60–80% LVR6.616.56−0.05
      Variable · Interest Only · Investor · 80–95% LVR6.616.56−0.05
      1yr Fixed · P&I · Investor · ≤60% LVR6.496.50+0.01
      1yr Fixed · P&I · Investor · 60–80% LVR6.496.50+0.01
      1yr Fixed · P&I · Investor · 80–95% LVR6.496.50+0.01
      1yr Fixed · Interest Only · Investor · ≤60% LVR6.516.52+0.01
      1yr Fixed · Interest Only · Investor · 60–80% LVR6.516.52+0.01
      1yr Fixed · Interest Only · Investor · 80–95% LVR6.516.52+0.01
      2yr Fixed · P&I · Owner-occupier · ≤60% LVR6.316.34+0.03
      2yr Fixed · P&I · Owner-occupier · 60–80% LVR6.316.34+0.03
      2yr Fixed · P&I · Owner-occupier · 80–95% LVR6.316.34+0.03
      2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR6.356.38+0.03
      2yr Fixed · Interest Only · Owner-occupier · 60–80% LVR6.356.38+0.03
      2yr Fixed · Interest Only · Owner-occupier · 80–95% LVR6.356.38+0.03
      2yr Fixed · P&I · Investor · ≤60% LVR6.516.54+0.03
      2yr Fixed · P&I · Investor · 60–80% LVR6.516.54+0.03
      2yr Fixed · P&I · Investor · 80–95% LVR6.516.54+0.03
      2yr Fixed · Interest Only · Investor · ≤60% LVR6.556.58+0.03
      2yr Fixed · Interest Only · Investor · 60–80% LVR6.556.58+0.03
      2yr Fixed · Interest Only · Investor · 80–95% LVR6.556.58+0.03
      3yr Fixed · P&I · Owner-occupier · ≤60% LVR6.356.40+0.05
      3yr Fixed · P&I · Owner-occupier · 60–80% LVR6.356.40+0.05
      3yr Fixed · P&I · Owner-occupier · 80–95% LVR6.356.40+0.05
      3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR6.416.45+0.04
      3yr Fixed · Interest Only · Owner-occupier · 60–80% LVR6.416.45+0.04
      3yr Fixed · Interest Only · Owner-occupier · 80–95% LVR6.416.45+0.04
      3yr Fixed · P&I · Investor · ≤60% LVR6.556.59+0.04
      3yr Fixed · P&I · Investor · 60–80% LVR6.556.59+0.04
      3yr Fixed · P&I · Investor · 80–95% LVR6.556.59+0.04
      3yr Fixed · Interest Only · Investor · ≤60% LVR6.616.65+0.04
      3yr Fixed · Interest Only · Investor · 60–80% LVR6.616.65+0.04
      3yr Fixed · Interest Only · Investor · 80–95% LVR6.616.65+0.04
      4yr Fixed · P&I · Owner-occupier · ≤60% LVR6.416.50+0.09
      4yr Fixed · P&I · Owner-occupier · 60–80% LVR6.416.50+0.09
      4yr Fixed · P&I · Owner-occupier · 80–95% LVR6.416.50+0.09
      4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR6.456.57+0.12
      4yr Fixed · Interest Only · Owner-occupier · 60–80% LVR6.456.57+0.12
      4yr Fixed · Interest Only · Owner-occupier · 80–95% LVR6.456.57+0.12
      4yr Fixed · P&I · Investor · ≤60% LVR6.616.70+0.09
      4yr Fixed · P&I · Investor · 60–80% LVR6.616.70+0.09
      4yr Fixed · P&I · Investor · 80–95% LVR6.616.70+0.09
      4yr Fixed · Interest Only · Investor · ≤60% LVR6.686.77+0.09
      4yr Fixed · Interest Only · Investor · 60–80% LVR6.686.77+0.09
      4yr Fixed · Interest Only · Investor · 80–95% LVR6.686.77+0.09
      5yr Fixed · P&I · Owner-occupier · ≤60% LVR6.446.59+0.15
      5yr Fixed · P&I · Owner-occupier · 60–80% LVR6.446.59+0.15
      5yr Fixed · P&I · Owner-occupier · 80–95% LVR6.446.59+0.15
      5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR6.526.68+0.16
      5yr Fixed · Interest Only · Owner-occupier · 60–80% LVR6.526.68+0.16
      5yr Fixed · Interest Only · Owner-occupier · 80–95% LVR6.526.68+0.16
      5yr Fixed · P&I · Investor · ≤60% LVR6.636.79+0.16
      5yr Fixed · P&I · Investor · 60–80% LVR6.636.79+0.16
      5yr Fixed · P&I · Investor · 80–95% LVR6.636.79+0.16
      5yr Fixed · Interest Only · Investor · ≤60% LVR6.726.88+0.16
      5yr Fixed · Interest Only · Investor · 60–80% LVR6.726.88+0.16
      5yr Fixed · Interest Only · Investor · 80–95% LVR6.726.88+0.16
      −0.05 to +0.49

Suitable for Investment and Owner Occupied residential borrowing. LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)

Notes on Southern Cross Credit Union home loans

to leave a note.

As of 2 November 2026, Southern Cross Credit Union has one home loan product in 72 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 13th of 93 variable owner-occupier P&I loans and sitting 0.30 points below the market average of 6.58%. Its rates last moved on 8 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.