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  3. Southern Cross Credit Union
  4. Premium Home Loan (Owner Occupied)

Premium Home Loan (Owner Occupied)

  • Owner Occupied
  • Fixed 3 years
  • 20% min deposit
  • P&I

Interest rate p.a.

5.99%

Comparison rate* p.a.

6.21%

Product info

Premium Home Loan (Owner Occupied)

  • Owner Occupied
  • Fixed 3 years
  • 20% min deposit
  • P&I

Interest rate p.a.

5.99%

Comparison rate* p.a.

6.21%

Southern Cross Credit Union Fixed - 3 years Rate Home Loan overview

For Premium Home Loan Fixed (Principal and Interest) 3 Years (LVR < 80%)

Principal & Interest (P&I)

Loan type

Loan to value ratio

Interest rate

Comparison rate

Fixed - 3 years

Up to 80%

5.99% p.a

6.21% p.a

Product info

Variable

Up to 80%

6.23% p.a

6.28% p.a

Product info

Fixed - 2 years

Up to 80%

6.39% p.a

6.31% p.a

Product info

Fixed - 1 year

Up to 80%

6.49% p.a

6.31% p.a

Product info

Fixed - 5 years

Up to 80%

6.49% p.a

6.40% p.a

Product info

Fixed - 4 years

Up to 80%

6.59% p.a

6.41% p.a

Product info

Fixed - 3 years

Up to 95%

6.39% p.a

6.69% p.a

Product info

Fixed - 5 years

Up to 95%

6.59% p.a

6.72% p.a

Product info

Fixed - 2 years

Up to 95%

6.49% p.a

6.74% p.a

Product info

Fixed - 1 year

Up to 95%

6.59% p.a

6.77% p.a

Product info

Interest only

Loan type

Loan to value ratio

Interest rate

Comparison rate

Details

Maximum LVR

80%

Total repayments

$0

View repayment schedule »
Interest rate type

Fixed - 3 years

Borrowing range

$250k - $100m

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Repayment type

Principal and Interest

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Repayment options

Fortnightly, Monthly, Weekly

Target Market Determination

Visit Southern Cross Credit Union to view Target Market Determination.

Features

Extra repayments

Allowed with restrictions

Redraw facility

Offset account

Split interest facility

Loan portability

Repayment holiday available

Allow guarantors

Available for first home buyers

Other benefits

Fees

Total estimated upfront fees

$730

Application fee

$0

Legal fee

$430

Valuation fee

$300

Settlement fee

$0

Other upfront fee

$0

Ongoing fee

$0

Discharge fee

$450

Pros and Cons

For Premium Home Loan (Owner Occupied)

Benefits

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • 100% full offset account
  • Split account option

Drawbacks

  • Limited extra repayments
  • No redraw facility
  • Loan reverts to higher rate after fixed period
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays
Home loans

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FAQs

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