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Example Interest Rates: Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.69% (6.52%*) • Investment PI: 5.49% (5.98%*)

  EMONEY HOME LOAN INVESTMENT

Suitable for investment borrowing with Fixed and variable options.
Category: Home Loans  Last Updated December 2, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information Rate reverts to the applicable variable PI rate upon expiry.
Interest Rate
6.19% PA
Comparison Rate
6.65%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 up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.28%, Comparison Rate 7.30%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.05%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Variable
  • Interest Rate: 6.88%, Comparison Rate 6.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.38%, Comparison Rate 7.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.61%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.59%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 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 30yrs available. Up to 40yrs for applications under 80%
  • Other Additional Information: Construction loan available
  • Other Additional Information: Extra repayments. Capped at $10k per year on fixed rates
  • Other Additional Information: Interest Only options available up to 5yrs at a time.

 Product Eligibility

  • Residency Status - Y. Additional Information: Must be an 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 to repay the loan
  • Other Additional Information: Provide acceptable residential mortgege 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

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

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General Enquires: 1300 235 433 • Support: (02) 8765 8887
The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]
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