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Home Loans
Did you know that SCU's standard variable home loan rate continues to be lower than the big 4 banks?*
Don't just take our word for it, see how your interest rate compares in the table to the right.
Find the home you love and we'll make sure that you get a more generous home loan deal.
We will always be generous to you with our time and knowledge. We’ll work very closely with you to make sure that you have the best and most economical way to buy the things that you want.
Our view is that the more helpful and the more generous we are to you, the more likely you are to be our long term customer. And that really is the way to a very good deal for both of us.
Our Home loan features also include construction loans, deposit bonds, bridging loans and interest only loans for property investments.
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Introductory Home Loan
A lower cost home loan to help you through the first 12 months of property ownership.
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6.00% pa 1
6.77% pa 2 |
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Basic Home Loan
A home loan that keeps things simple and saves you money with a lower interest rate.
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6.29% pa 3
6.34% pa 2 |
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Variable Rate Home Loan
Comprehensive variable rate home loan with offset account.
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6.80% pa
6.85% pa 2 |
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Fixed Rate Home Loan
Fixed rate home loans for 2, 3 and 5 years.
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From 6.14% pa 4
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Pro Pack Loan
A fully-featured home loan where the more you borrow, the more the rate goes down. It's also been awarded the Best Standard Variable Home Loan by Your Mortgage Magazine for 2 years in a row.
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From 6.10% pa 6
From 6.15% pa 2 |
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Home Equity Overdraft
A flexible line of credit - withdraw and repay money whenever you want.
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6.80% pa |
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Questions?
If you have any questions, please contact us 
*SCU's standard variable rate has been lower than the Big 4 banks since November 2010.
1. Based on our Introductory Home Loan rate with a capped discounted interest rate which reverts to our Standard Variable Home Loan rate after 12 months.
2. This 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.
3. A variable rate loan that offers an interest rate of 0.51% lower than our Standard Variable Home Loan rate.
4. Based on 2 years fixed interest rate
5. A break cost fee applies to fixed rate loans, please refer to our Fees and Charges Schedule for further details
6. A variable rate loan that offers an interest rate up to 0.70% lower than our Standard Variable Home Loan rate. Rate shown based on a loan of $500,000 or more. Higher rates will apply for loans of a lesser amount.
| SCU | 6.85% pa |
| NAB | 7.12% pa |
| Westpac | 7.22% pa |
| CBA | 7.15% pa |
| ANZ | 7.52% pa |
* Based on a Standard Variable Home Loan. Information was sourced from each financial institutions website on 17 May 2012 and is subject to change. Terms & conditions and fees & charges apply. Comparison rate 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.
