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Southern Cross Credit Union home loan rates
399 advertised rates across 7 products, published by Southern Cross Credit Union under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.
Where it sits
Restricted to particular groups
| Product | Who it is for | Rate |
|---|---|---|
| BROKER HOME LOAN | only available through a mortgage broker | 5.93% |
| EMONEY HOME LOAN | a particular group only, per its published conditions | 5.93% |
| LJH 5STAR HOME LOAN | a particular group only, per its published conditions | 5.93% |
| PREMIUM HOME LOAN | a particular group only, per its published conditions | 5.93% |
| BRIDGING HOME LOAN | a particular group only, per its published conditions | 7.58% |
| REVERSE MORTGAGE LOAN | a particular group only, per its published conditions | 7.83% |
| LINE OF CREDIT | a particular group only, per its published conditions | 8.48% |
What changed
Southern Cross Credit Union last moved a rate on Wednesday 7 October. Every rate is read each morning and has come back the same since.
Does this look wrong? or could it be better
Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Southern Cross Credit Union told you, it is usually one of these.
The published data is wrong
Southern Cross Credit Union publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.
Everything identifying the feed is filled in below. The one part left is what you saw.
Consumer Data Right — Product Reference Data quality Data holder brand: Southern Cross Credit Union ABN: 82087650682 Product Reference Data endpoint: https://cdr.sccu.com.au/openbanking Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 399 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent.
This page reads it wrongly
The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.
Something is missing
A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.
Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.
More from the data
Building something with this? There is an API, and the data is free.
This morning: the market, variable rates, fixed rates and what moved this week.
Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto and what a comparison rate adds. Also what an offset costs, and what investors pay on top.