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Where banking matters

To help you live in the home that is right for you!

The mortgage process shouldn’t be difficult, with FSCU, we reduce the worries. Our Home Loan specialists are here to support you through this exciting journey – every step of the way.

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A home loan to suit your needs

What loan is right for you?

Buying your first home?
Buying your first home?

Achieve your dream of home ownership with the help of FSCU

Looking to refinance?
Looking to refinance?

You may be surprised by how much you could save by making the switch to FSCU

Investing in property?
Investing in property?

Have our FSCU Loan Specialists help build your investment portfolio with confidence

Remove the uncertainty

Easily compare our home loan features

Home loan features
Firefighter Home loan
Standard variable home loan
Investment home loan
LVR

Loan to Value ratio

≤60%^
Interest rate

Interest rates are current as at 30/11/2023. Interest rates are subject to change without notice.

6.09% p.a.
6.44% p.a.
from 6.69% p.a.
Comparison rate
6.37%* p.a.
6.45%* p.a.
from 6.70% p.a.
Rate type
Variable
Variable
Variable
Minimum loan amount

New money only

$150,000
$150,000
$150,000
Loan term
Up to 30 years
Up to 30 years
Up to 30 years
Redraw
Free
Free
Free
Loan purpose
Owner occupied
Owner occupied
Investment
Extra repayments
Accepted with no penalty
Accepted with no penalty
Accepted with no penalty
Offset account
Yes
Yes
Yes
Application fee
$300
$300
$300
Annual fee
$300
No
No

Have a question or want more information? We are here to help!

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Have a better understanding

Helpful questions

How much can I borrow?

Get an estimate of how much you can borrow to help with your home loan journey.

Get an estimate
Why choose FSCU?

• Easy applications
• Fast approvals
• Personal Service
• Great rates

Helpful Tools

Calculators, Home Loan Repayments, How Much Can I Borrow? How Long to Repay, Budget, and Stamp Duty calculators, plus more.

View our calculators
Rates & Fees

See all of our loan rates. Our Home Loan specialists are here to support you through this exciting journey – every step of the way!

View our rates
Home Loan Key Facts Sheet

Generate your own Home Loan Key Facts Sheet that you can save and print as a pdf.

View our Home Loan Key Facts Sheet
Ready to apply or seeking more information?

Give us a call and let our Home Loan Specialists step you through the process – let us help make it a reality.

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Interest rates are current as at 31/01/2024. Interest rates are subject to change without notice.

* The comparison rate is calculated based on a secured loan amount of $150,000 over a loan 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.

^ The Firefighter Home Loan Package is available only to new qualifying loans for owner-occupied purposes and where the LVR is less than or equal to 60% at the time of loan origination. LVR means Loan to Value Ratio.  We will calculate your LVR and determine your eligibility for this rate when we assess your loan. A higher LVR may result in a different interest rate. Minimum loan amount of $150,000 applies.

The Firefighter Home Loan Package has an annual fee of $300.