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)
- From (owner occupied)
- 5.93%
- 6.28% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 5.93% | 6.28% | UP TO 60%LVR |
| Fixed · 1 year Rate reverts to variable PI rate of applicable LVR tier upon expiry. | 6.19% | 6.31% | UP TO 60%LVR |
| Variable | 6.23% | 6.57% | OVER 80 TO 95%LVR |
| Variable | 6.23% | 6.57% | OVR 60-80%LVR |
| Fixed · 2 years Rate reverts to variable PI rate of applicable LVR tier upon expiry. | 6.24% | 6.34% | UP TO 60%LVR |
| Fixed · 3 years Rate reverts to variable PI rate of applicable LVR tier upon expiry. |
Fees
| Fee | Type | Amount |
|---|---|---|
| ANNUAL_PACKAGE_FEE Charged yearly · Charged in advance and annually on the anniversary of first loan funding. Single Fee charged per customer and multiple accounts available under the package. | Ongoing | $395.00 |
| BREAK_COST_FEE 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 | Cash advance | $0.00 |
| CONSTRUCTION_LOAN_PROGRESS_FEE Applicable to construction loans only when progressive payments are made to your builder. | Event | $450.00 |
| DIRECT_DEBIT_DISHONOUR Charged if your direct debit payment is dishonoured due to insufficient funds | Event | $15.00 |
| FIXED_RATE_LOCK_FEE May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request | Cash advance | 0.15% of transaction |
| GUARANTOR_SECURITY_VARIATION Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security | Event |
Features
- Offset account
- Up to 8 offset accounts available
- Redraw facility
- access to additional payments made above the minimum required
- Loan terms up to 40yrs available
- Construction loans available
- Interest only options available
- 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
Eligibility
- Residency status — YMust be Australian citizen or permanent resident, with an Australian residential address
- Only available for business introduced through eMoney Home Loans.
- Minimum age — 18 years
- Individuals only
- Meet SCCU assessment criteria and capacity demonstrated to repay the loan
- Provide acceptable residential mortgage security which must be insured with SCCU noted as an interested party
Constraints
- Maximum limit — $6,000,000.00
- Maximum LVR — 9500%
Published by Southern Cross Credit Union under the Consumer Data Right · Last updated 9 June 2026 · Product ID EMONEY_HOME_LOAN · View on CDR.gov.au