3 Year Fixed Rate My Life Home Loan Package

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About

Sydney Credit Union (SCU) is a member-owned credit union, which was established in 1963.

It was originally formed to serve City of Sydney council members, but expanded to include a number of other Sydney-based councils. Most of its branches are now located in the Western Suburbs of Sydney.

As a credit union, it is owned by members and not shareholders, which means profits go back into the business and are redistributed to members via lower fees and rates.

Advertised rate
3.69%Fixed - 3 years then 4.07%
Comparison rate*
4.00%
Pros
  • Extra low interest rate for refinancers
  • Suitable for low deposits
  • Parents can sign as guarantor
  • Extra repayments + redraw services

Loan detail

Maximum LVR
Maximum LVR
95%
Loan term
Loan term
1 - 30 years
Borrowing range
Borrowing range
$150k - $100mCalculate how much you can borrow »
Investors loans
Investors loans
First home buyer
First home buyer
Owner occupied
Owner occupied
Refinance
Refinance
Line of credit
Line of credit
Self-managed super
Self-managed super
Interest rate structure
Interest rate structure
Fixed - 3 years
Interest only
Interest only
Allows split interest
Allows split interest
Principal & interest
Principal & interest
Other benefits
Other benefits
No annual fee on SCU credit card, no application fees on personal and car loans, free first appointment with financial planner, discounts on home & contents insurance.
Other restrictions
Other restrictions
Maximum LVR
Maximum LVR
95%
Loan term
Loan term
1 - 30 years
Borrowing range
Borrowing range
$150k - $100mCalculate how much you can borrow »
Investors loans
Investors loans
First home buyer
First home buyer
Owner occupied
Owner occupied
Refinance
Refinance
Line of credit
Line of credit
Self-managed super
Self-managed super
Interest rate structure
Interest rate structure
Fixed - 3 years
Interest only
Interest only
Allows split interest
Allows split interest
Principal & interest
Principal & interest
Other benefits
Other benefits
No annual fee on SCU credit card, no application fees on personal and car loans, free first appointment with financial planner, discounts on home & contents insurance.
Other restrictions
Other restrictions
1The 3.69% rate is based on a 3 year fixed interest rate My Life Home Loan Package reverting to the My Life variable $150,000 to $249,999 rate. 2The comparison rate is based on a $150,000 loan over a term of 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. 3The 3.77% rate is based on a Variable interest rate Home Loan minimum $150,000. 4A Break Cost Fee applies on payout and for repayments in excess of $10,000. 5The rate on the loan is the applicable rate when the loan is approved and is valid for 90 days. 6My Life Annual Package Fee $350. All applications are subject to SCU normal lending criteria. Terms, conditions, fees and charges apply. Full details available on application. All information is correct as at 01/09/17 and subject to change.
SCU Home loans | Australian Credit Licence 236476 ABN 93087650726*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.