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Southern Cross Credit Union · Home loans
Line Of Credit
Southern Cross Credit Union's Line Of Credit is a home loan. The figures are the ones Southern Cross Credit Union publishes under the Consumer Data Right today. The advertised rate last moved on 24 March 2026, up from 7.98% to 8.23%.
Advertised rate
8.48%
headline tier
Tiers
1
current rate rows
Last moved
+0.25pp
24 March 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Variable, Investor, Interest only | 8.48% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Home loan legal feewhen it happens: A one off fee required to document and settle your loan. | $430 |
| Property valuation feeper cash advance: This fee covers the cost of valuing your property. | $0 |
| Home loan security variationwhen it happens: When there is a variation made to the security used for an existing loan agreement. | $300 |
| Loan variationwhen it happens: When there is a variation made to the terms of an existing loan agreement. | $150 |
| Loan top-upwhen it happens: Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. | $300 |
| Recontracting feewhen it happens: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee. | $150 |
| Direct debit dishonourwhen it happens: Charged if your direct debit payment is dishonoured due to insufficient funds | $15 |
| Establishment fee locupfront | $699 |
| Loc mthly feerecurring | $30 |
| Unused limitrecurring: Calculated on the daily available balance and posted to the account monthly | see lender |
Other Southern Cross Credit Union home loans
Broker Home Loan 5.93%Emoney Home Loan 5.93%Ljh 5star Home Loan 5.93%Premium Home Loan 5.93%Bridging Home Loan 7.58%Reverse Mortgage Loan 7.83%
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