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Example Interest Rates: Home Loan Variable: 5.69% (5.49%*) • Home Loan Fixed: 5.94% (6.44%*) • Fixed: 5.94% (6.44%*) • Variable: 5.69% (5.49%*) • Investment IO: 5.92% (5.98%*) • Investment PI: 5.94% (5.98%*)
Southern Cross Credit Union Product Details

  EMONEY HOME LOAN

Suitable for Investment and Owner Occupied residential borrowing with LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)
Category: Home Loans  Last Updated June 9, 2026  Effective August 21, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.93% PA
Comparison Rate
6.28%PA*
Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.79%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.81%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.90%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.97%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.73%, Comparison Rate 6.90%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.81%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.85%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.90%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 6.98%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 7.06%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.23%, Comparison Rate 6.57%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.66%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.71%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.78%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.53%, Comparison Rate 6.71%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.66%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.71%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.78%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.87%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.93%, Comparison Rate 6.28%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.45%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.52%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.23%, Comparison Rate 6.57%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.66%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.71%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.78%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.73%, Comparison Rate 7.07%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 7.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 7.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 7.07%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 7.09%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 7.14%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.13%, Comparison Rate 6.48%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.54%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.64%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.43%, Comparison Rate 6.77%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.79%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.81%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.90%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.97%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.93%, Comparison Rate 7.26%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 7.25%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 7.24%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 7.27%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 7.29%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 7.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.43%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.52%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.58%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.64%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.72%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.81%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.73%, Comparison Rate 6.90%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.81%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.85%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.90%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 6.98%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 7.06%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 7.23%, Comparison Rate 7.40%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 7.27%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 7.31%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 7.31%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.19%, Comparison Rate 7.36%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.29%, Comparison Rate 7.43%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.23%, Comparison Rate 6.41%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.52%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.53%, Comparison Rate 6.71%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.66%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.71%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.78%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.87%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 7.03%, Comparison Rate 7.20%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 7.07%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 7.09%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 7.11%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 7.16%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 7.23%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Product Features

  • Offset Additional Information: Up to 8 offset accounts available
  • Redraw Additional Information: access to additional payments made above the minimum required
  • Other Additional Information: Loan terms up to 40yrs available
  • Other Additional Information: Construction loans available
  • Other Additional Information: Interest only options available
  • Other Additional Information: Additional benefits such as 60-80%LVR rates for loans over 80%LVR and no requirement for LMI up to 90% LVR for applicants on Professional list such as Medical, Health, Legal and Financial Professionals
  • Extra Repayments

Product Eligibility

  • Residency Status - Y. Additional Information: Must be Australian citizen or permanent resident, with an Australian residential address
  • Other Additional Information: Only available for business introduced through eMoney Home Loans.
  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Meet SCCU assessment criteria and capacity demonstrated to repay the loan
  • Other Additional Information: Provide acceptable residential mortgage security which must be insured with SCCU noted as an interested party

Bank Fees and Charges

  • Annual Package Fee (Periodic), Amount: Not Listed.. Additional Information: Charged in advance and annually on the anniversary of first loan funding. Single Fee charged per customer and multiple accounts available under the package.
  • Break Cost Fee (Cash Advance), Amount: Not Listed.. Additional Information: 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
  • Construction Loan Progress Fee (Event), Amount: Not Listed.. Additional Information: Applicable to construction loans only when progressive payments are made to your builder.
  • Direct Debit Dishonour (Event), Amount: Not Listed.. Additional Information: Charged if your direct debit payment is dishonoured due to insufficient funds
  • Fixed Rate Lock Fee (Cash Advance), Amount: Not Listed.. Additional Information: May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request
  • Guarantor Security Variation (Event), Amount: Not Listed.. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security
  • Home Loan Legal Fee (Event), Amount: Not Listed.. Additional Information: A one off fee required to document and settle your loan.
  • Home Loan Product Switch (Event), Amount: Not Listed.. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.
  • Home Loan Security Variation (Event), Amount: Not Listed.. Additional Information: When there is a variation made to the security used for an existing loan agreement. Charged per security.
  • Home Loan Trust Deed Legal Fee (Event), Amount: Not Listed.. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan.
  • Home Loan Variation (Event), Amount: Not Listed.. Additional Information: When there is a variation made to an existing home loan agreement. For example change to remaining loan term, altering repaymentsand principal reduction
  • Loan Consolidation (Event), Amount: Not Listed.. Additional Information: Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans.
  • Loan Discharge Fee (Event), Amount: Not Listed.. Additional Information: This fee covers the costs associated with releasing your title and is charged per security discharged
  • Loan Top-up (Event), Amount: Not Listed.. Additional Information: Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans
  • Property Valuation Fee (Cash Advance), Amount: Not Listed.. Additional Information: This fee covers the cost of valuing your property. When valuation is required, cost may vary dependant on a number of factors. Cost will be confirmed prior to ordering.
  • Security Guarantee Fee (Event), Amount: Not Listed.. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.
  • Recontracting Fee (Event), Amount: Not Listed.. Additional Information: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.

 Limitations & Restrictions (Constraints)

  • Max Limit of 6000000.00
  • Max Lvr of 95.00

■ ■ ■

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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