EMONEY HOME LOAN OWNER OCCUPIED

Suitable for Residenial Owner Occupied borrowing where the loan amount to security value is up to and including 80% LVR
Category: Home Loans  Last Updated July 4, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Rate reverts to the applicable variable PI rate upon expiry.
Interest Rate
5.69% PA
Comparison Rate
6.16%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.23%, Comparison Rate 6.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.87%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 5.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Variable
  • Interest Rate: 6.03%, Comparison Rate 5.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 5.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 5.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 5.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 5.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.53%, Comparison Rate 6.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking Additional Information: SCCU Netbanking
  • Offset
  • Redraw Additional Information: Available on variable rates only
  • Npp Enabled
  • Other Additional Information: Loan terms up to 40yrs available
  • Other Additional Information: Construction loan available
  • Other Additional Information: Extra repayments. Capped at $10k per annum while rate fixed.
  • Other Additional Information: Interest only options available up to 5yrs at a time

 Product Eligibility

  • Residency Status - Y. Additional Information: Must be Australian citizen or permanent resident, with an Australian residential address
  • Other Additional Information: Only available for business introduced through eMoney Home Loans.
  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Meet SCCU assessment criteria and demonstrate capacity demonstrated to repay the loan
  • Other Additional Information: Provide acceptable residential mortgage security which must be insured with SCCU noted as an interested party

 Bank Fees and Charges

  • Home Loan Legal Fee (Event), Amount: 430.00. Additional Information: A one off fee required to document and settle your loan.
  • Home Loan Product Switch (Event), Amount: 300.00. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.
  • Loan Top-up (Event), Amount: 250.00. Additional Information: Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans
  • Recontracting Fee (Event), Amount: 150.00. Additional Information: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.
  • Direct Debit Dishonour (Event), Amount: 15.00. Additional Information: Charged if your direct debit payment is dishonoured due to insufficient funds
  • Loan Discharge Fee (Event), Amount: 150.00. Additional Information: This fee covers the costs associated with releasing your title and is charged per security discharged
  • Home Loan Establishment Fee Emoney (Upfront), Amount: 250.00. Additional Information: A one off upfront fee for setting up your home loan.
  • Avm Valuation Fee Emoney $25 (Event), Amount: 25.00. Additional Information: service that can provide real estate property valuations using mathematical modelling combined with a database.
  • Property Valuaton Fee Emoney-valuation Fee $450 (Event), Amount: 450.00. Additional Information: Standard property valuation fee when a Valuer physically attends the security property
  • Desktop Valuation Fee Emoney (Event), Amount: 170.00. Additional Information: automated computer valuation completed using property data, recent comparable sales and property listings
  • Loan Processing Fee (Upfront), Amount: 250.00.
  • Construction Loan Progress Fee (Event), Amount: 450.00. Additional Information: Applicable to construction loans only when progressive payments are made to your builder.
  • Legal Fee Trust Deed (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan
  • Loan Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term.
  • Home Loan Security Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the security used for an existing loan agreement. Charged per security.
  • Security Guarantee Fee (Event), Amount: 200.00. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.
  • Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security
  • Fixed Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request
  • Redraw In Branch (Transaction), Amount: 25.00. Additional Information: Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: 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
  • Loan Consolidation (Event), Amount: 250.00. Additional Information: Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans.
  • Deposit Bond Handling (Event), Amount: 110.00. Additional Information: Fee charged to assist with the completion and submission of a Deposit Bond application

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00
  • Max Limit of 4500000.00