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Southern Cross Credit Union · Home loans
Premium Home Loan
Southern Cross Credit Union's Premium Home Loan 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 2 September 2026, down from 6.19% to 6.09%.
Advertised rate
5.93%
headline tier
Comparison rate
6.28%
as published
Last moved
-0.10pp
2 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (102)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%UP TO 60%LVR | 5.93% | 6.28% |
| Variable, Owner occupier, P&I, LVR 60 to 80%OVR 60-80%LVR | 5.93% | 6.28% |
| Variable, Owner occupier, P&I, LVR 80 to 95%, over 80 to 95%lvr | 5.93% | 6.28% |
| Variable, Owner occupier, Interest only, LVR up to 60%UP TO 60%LVR | 6.13% | 6.37% |
| Variable, Investor, P&I, LVR up to 60%UP TO 60%LVR | 6.13% | 6.48% |
| Variable, Owner occupier, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.13% | 6.37% |
| Variable, Investor, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.13% | 6.48% |
| Variable, Owner occupier, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.13% | 6.37% |
| Variable, Investor, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.13% | 6.48% |
| Variable, Owner occupier, P&I, LVR 80 to 98%OVER 80 TO 98%LVR | 6.13% | 6.48% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 60%UP TO 60%LVR | 6.14% | 6.30% |
| Fixed 1 year, Owner occupier, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.14% | 6.30% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.14% | 6.30% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 60%UP TO 60%LVR | 6.24% | 6.34% |
| Fixed 2 years, Owner occupier, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.24% | 6.34% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.24% | 6.34% |
| Variable, Investor, Interest only, LVR up to 60%UP TO 60%LVR | 6.33% | 6.56% |
| Variable, Investor, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.33% | 6.56% |
| Variable, Investor, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.33% | 6.56% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 60%UP TO 60%LVR | 6.34% | 6.32% |
| Fixed 1 year, Investor, P&I, LVR up to 60%UP TO 60%LVR | 6.34% | 6.50% |
| Fixed 1 year, Owner occupier, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.34% | 6.32% |
| Fixed 1 year, Investor, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.34% | 6.50% |
| Fixed 1 year, Investor, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.34% | 6.50% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.34% | 6.32% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 98%OVER 80 TO 98%LVR | 6.34% | 6.58% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 60%UP TO 60%LVR | 6.34% | 6.40% |
| Fixed 3 years, Owner occupier, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.34% | 6.40% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.34% | 6.40% |
| Variable, Owner occupier, P&I, LVR 80 to 95%, over 80-95%lvr | 6.43% | 6.77% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 60%UP TO 60%LVR | 6.44% | 6.38% |
| Fixed 2 years, Investor, P&I, LVR up to 60%UP TO 60%LVR | 6.44% | 6.54% |
| Fixed 2 years, Owner occupier, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.44% | 6.38% |
| Fixed 2 years, Investor, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.44% | 6.54% |
| Fixed 2 years, Investor, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.44% | 6.54% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.44% | 6.38% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 98%OVER 80 TO 98%LVR | 6.44% | 6.54% |
| Fixed 1 year, Investor, Interest only, LVR up to 60%UP TO 60%LVR | 6.54% | 6.52% |
| Fixed 1 year, Investor, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.54% | 6.52% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.54% | 6.52% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%, over 80-95%lvr | 6.54% | 6.78% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 60%UP TO 60%LVR | 6.54% | 6.45% |
| Fixed 3 years, Investor, P&I, LVR up to 60%UP TO 60%LVR | 6.54% | 6.59% |
| Fixed 3 years, Investor, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.54% | 6.59% |
| Fixed 3 years, Owner occupier, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.54% | 6.45% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.54% | 6.45% |
| Fixed 3 years, Investor, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.54% | 6.59% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 98%OVER 80 TO 98%LVR | 6.54% | 6.59% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 60%UP TO 60%LVR | 6.54% | 6.50% |
| Fixed 4 years, Owner occupier, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.54% | 6.50% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.54% | 6.50% |
| Variable, Investor, P&I, LVR 80 to 95%, over 80-95%lvr | 6.63% | 6.97% |
| Variable, Owner occupier, Interest only, LVR 80 to 95%, over 80-95%lvr | 6.63% | 6.86% |
| Fixed 2 years, Investor, Interest only, LVR up to 60%UP TO 60%LVR | 6.64% | 6.58% |
| Fixed 2 years, Investor, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.64% | 6.58% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.64% | 6.58% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 60%UP TO 60%LVR | 6.64% | 6.59% |
| Fixed 5 years, Owner occupier, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.64% | 6.59% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.64% | 6.59% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 95%, over 80-95%lvr | 6.74% | 6.80% |
| Fixed 1 year, Investor, P&I, LVR 80 to 95%, over 80-95%lvr | 6.74% | 6.98% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%, over 80-95%lvr | 6.74% | 6.83% |
| Fixed 3 years, Investor, Interest only, LVR up to 60%UP TO 60%LVR | 6.74% | 6.65% |
| Fixed 3 years, Investor, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.74% | 6.65% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.74% | 6.65% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 60%UP TO 60%LVR | 6.74% | 6.57% |
| Fixed 4 years, Investor, P&I, LVR up to 60%UP TO 60%LVR | 6.74% | 6.70% |
| Fixed 4 years, Owner occupier, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.74% | 6.57% |
| Fixed 4 years, Investor, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.74% | 6.70% |
| Fixed 4 years, Investor, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.74% | 6.70% |
| Fixed 4 years, Owner occupier, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.74% | 6.57% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 98%OVER 80 TO 98%LVR | 6.74% | 6.70% |
| Variable, Investor, Interest only, LVR 80 to 95%, over 80-95%lvr | 6.83% | 7.06% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%, over 80-95%lvr | 6.84% | 6.89% |
| Fixed 5 years, Investor, P&I, LVR up to 60%UP TO 60%LVR | 6.84% | 6.79% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 60%UP TO 60%LVR | 6.84% | 6.68% |
| Fixed 5 years, Owner occupier, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.84% | 6.68% |
| Fixed 5 years, Investor, P&I, LVR 60 to 80%OVER 60-80%LVR | 6.84% | 6.79% |
| Fixed 5 years, Investor, P&I, LVR 80 to 95%, over 80 to 95%lvr | 6.84% | 6.79% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.84% | 6.68% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 98%OVER 80 TO 90%LVR | 6.84% | 6.79% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 95%, over 80-95%lvr | 6.94% | 7.00% |
| Fixed 2 years, Investor, P&I, LVR 80 to 95%, over 80-95%lvr | 6.94% | 7.03% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 95%, over 80-95%lvr | 6.94% | 6.87% |
| Fixed 4 years, Investor, Interest only, LVR up to 60%UP TO 60%LVR | 6.94% | 6.77% |
| Fixed 4 years, Investor, Interest only, LVR 60 to 80%OVER 60-80%LVR | 6.94% | 6.77% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 6.94% | 6.77% |
| Fixed 3 years, Investor, P&I, LVR 80 to 95%, over 80-95%lvr | 7.04% | 7.09% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.04% | 6.95% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%, over 80-95%lvr | 7.04% | 7.00% |
| Fixed 5 years, Investor, Interest only, LVR up to 60%UP TO 60%LVR | 7.04% | 6.88% |
| Fixed 5 years, Investor, Interest only, LVR 60 to 80%OVER 60-80%LVR | 7.04% | 6.88% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 95%, over 80 to 95%lvr | 7.04% | 6.88% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.14% | 7.20% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%, over 80-95%lvr | 7.14% | 7.09% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.24% | 7.15% |
| Fixed 4 years, Owner occupier, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.24% | 7.07% |
| Fixed 4 years, Investor, P&I, LVR 80 to 95%, over 80-95%lvr | 7.24% | 7.20% |
| Fixed 5 years, Investor, P&I, LVR 80 to 95%, over 80-95%lvr | 7.34% | 7.29% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.34% | 7.18% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.44% | 7.27% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 95%, over 80-95%lvr | 7.54% | 7.38% |
Rate moves, last 30 days
- 7 October 2026: 4 tiers lifted 0.25pp; the lowest, Fixed 4 years, Owner occupier, P&I, LVR up to 60%, from 6.29% to 6.54%.
- 7 October 2026: 13 tiers lifted 0.35pp; the lowest, Fixed 5 years, Owner occupier, P&I, LVR up to 60%, from 6.29% to 6.64%.
- 7 October 2026: 3 tiers lifted 0.36pp; the lowest, Fixed 5 years, Investor, Interest only, LVR up to 60%, from 6.68% to 7.04%.
Published fees
| Fee | Amount |
|---|---|
| Annual package feerecurring: 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. | $395 |
| Break cost feeper cash advance: 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 | $0 |
| Construction loan progress feewhen it happens: Applicable to construction loans only when progressive payments are made to your builder. | $450 |
| Deposit bond handlingwhen it happens: Fee charged to assist with the completion and submission of a Deposit Bond application | $110 |
| Fixed rate lock feeper cash advance: May be applicable on Fixed rate loan. | see lender |
| Guarantor security variationwhen it happens: Changes to a guarantor security and removing guarantor(s) from a loan. | $300 |
| Home loan legal feewhen it happens: A one off fee required to document and settle your loan. | $430 |
| Home loan product switchwhen it happens: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will in | $300 |
| Home loan security variationwhen it happens: When there is a variation made to the security used for an existing loan agreement. | $300 |
| Home loan trust deed legal feewhen it happens: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan. | $132 |
| Loan consolidationwhen it happens: Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. | $300 |
| Loan discharge feewhen it happens: This fee covers the costs associated with releasing your title and is charged per security discharged | $150 |
Other Southern Cross Credit Union home loans
Broker Home Loan 5.93%Emoney Home Loan 5.93%Ljh 5star Home Loan 5.93%Bridging Home Loan 7.58%Reverse Mortgage Loan 7.83%Line Of Credit 8.48%
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