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Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.39% (6.67%*) • Fixed: 5.39% (6.67%*) • 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 January 10, 2025

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

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