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Southern Cross Credit Union home loans
Southern Cross Credit Union, or SCCU, is a customer-owned credit union that was formed in 1966 in the Tweed Valley of NSW. Formerly known as the Tweed Byron Credit Union, it was renamed the Southern Cross Credit Union in 1997.
The credit union is based in Murwillumbah and has a network of branches throughout northern NSW. It provides financial services and products, such as personal and business loans, home loans, insurance, credit cards, savings account as well as financial planning and advice.
Southern Cross Credit Union Home Loan Calculator
Interested in an Southern Cross home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Southern Cross compares to its competitors. Simply plug in your borrowing amount below.
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Why choose Southern Cross Credit Union
Southern Cross Credit Union Home Loans
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
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Total repayments
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- All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
- The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
- At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
- The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
- One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
- The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
- After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.
Southern Cross Credit Union customer service
Home loan customers can contact the Southern Cross Credit Union through a number of channels. These include a general customer phone line, an online enquiry form or via email. Customers can also meet with Southern Cross staff in person at one of their local NSW branches.
- Customer service centre (phone)
- Mobile app
- Online banking
- Branch
How to Apply
Southern Cross Credit Union gives potential customers a number of options when applying for a home loan. These include contacting a SCCU home loan specialist by phone, email or in person at one of their local branches. Customers can also start their application via an online form on the Southern Cross Credit Union website and emailing it to a lending specialist. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:
- Personal identification material.
- Details and type of employment.
- Proof of incomes, including assets, rent and other earning.
- Details regarding current debts, expenses, loans and liabilities.
- Personal insurance documents.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.