Home loan rates › Southern Cross Credit Union
BRIDGING HOME LOAN
Southern Cross Credit Union
Existing Home Owner requiring finance to buy a new home whilst in the process of selling their existing property.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.58% | 7.38% | Variable · owner occupied · interest only | Bridging | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the 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 are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BRIDGING_HOME_LOAN- Content hash
sha256 f0f0724c4826ddb82cfbe12ed1c3a5fa2e3ea8a6b31fcebc991ba52e8829b14e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f0f0724c4826ddb8_b9d2814aShow details
- Checked
- 1 Nov 2026
- URL
https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BRIDGING_HOME_LOAN- Content hash
sha256 f0f0724c4826ddb82cfbe12ed1c3a5fa2e3ea8a6b31fcebc991ba52e8829b14e- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| BRIDGING_LOAN_ESTABLISHMENT_FEE | Upfront | 0.25% |
| DIRECT_DEBIT_DISHONOUR | Event | $15.00 |
| HOME_LOAN_LEGAL_FEE | Event | $430.00 |
| HOME_LOAN_SECURITY_VARIATION | Event | $300.00 |
| LOAN_DISCHARGE_FEE | Event | $150.00 |
| LOAN_VARIATION | Event | $150.00 |
| PROPERTY_VALUATION_FEE | Cash advance | $0.00 |
| REDRAW_IN_BRANCH | Transaction | $25.00 |
| RECONTRACTING_FEE | Event | $150.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | Up to 8 offset accounts available | |
| Redraw | access to additional repayments | |
| Other | Access to funds for up to 6mths for the purchase of new property while awaiting sale or existing property | |
| Extra repayments | Can make extra payments or pay out early without additional charge | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Eligibility: residency status | Must be an Australian Citizen or permanent resident, with an Australian residential address | |
| Eligibility: other | Be able to meet SCCU assessment criteria and capacity demonstrated to repay the loan | |
| Eligibility: other | Provide acceptable residential mortgage security which must be insured with SCCU noted as interested party |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 7.58% | 7.38% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the 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 are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:bridging | Bridging | Left out of the standard home loan table |
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