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Byron Shire
July 15, 2024

Loan refusal

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Mac Nicolson, Mullumbimby

After 33 years as a member of Southern Cross Credit Union without a single month of debt or overdraft, I applied for, and was refused a home loan by them. Even though I owned a debt free house in Mullumbimby and had a proven income from several sources, one of which was somehow not acceptable because it was from an overseas rental (contract lease forwarded).

I have since discovered that home loan applications from other seemingly deserving citizens are likewise being refused. The Southern Cross Credit Union claims to be a community bank, serving the people of the Northern Rivers community yet that ethical approach has long since been abandoned it would appear.

If you have an account with them, or are thinking of obtaining one, I am sharing this information with you to simply allow you to be informed about this highly questionable marketing tool of theirs. All banks and credit unions are really no different in their levels of community support.

I would sincerely hope that this news outlet would not make a decision to publish this letter, or not, on the basis of advertising revenue.


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