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

The mortgage process shouldn't be difficult, with FSCU, we remove the worries.

Our Home Loan specialists are here to support you through this exciting journey - every step of the way!

  • Personal Service
  • Easy applications
  • Fast approvals
  • Free redraws

Discounted Firefighter Home Loan

2.29
%
p.a.
Variable rate
3.20
%
p.a.
Comparison rate*
  • 2.29% p.a. Variable - 3.20% p.a. Comparison Rate*

    2 year discounted rate^

    • New money only
    • Minimum amount $200,000
    • Maximum term 30 years
    • Up to 80% with no LMI - Up to 90% with LMI
    • Applications fast, friendly and informative
    • No redraw fees
    • Apply Now

    ^The discounted variable interest rate is 0.70% below the Firefighter Home Loan. After the expiry of the discounted rate period, the interest rate changes to our Firefighter Home Loan Rate (currently 2.99% Variable Rate, 3.32% p.a. Comparison Rate*).

     

Features  
Minimum Ammount $200,000
Loan Period  Up to 30 years
Repayments  Weekly, fortnightly or monthly
Interest Charges Calculated daily, charged monthly
Loan Set Up Costs  $300
Annual Fee  $300
Conveyancing Costs   May apply
Redraw Facility  Free redraw
Top up Facility Available  Yes
Minimum Redraw Amount  $1,000
Maximum Redraw Available  Capped at $20,000

First Home Owner's Loan

2.49
%
p.a.
Variable rate
2.83
%
p.a.
Comparison rate*
  • 2.49% p.a. Variable - 2.83% p.a. Comparison Rate*

    • Options for no LMI - great savings and more $$ for you^
    • Minimum amount $200,000
    • First Home Owner - Owner Occupied property only
    • Purchase or Home & Land package
    • Applications fast, friendly and informative
    • Apply Now

    ^Contact Fire Service Credit Union to enquire about eligibility for a LMI-free loan.

     

Minimum Ammount $200,000
Loan Period  Up to 30 years
Repayments  Weekly, fortnightly or monthly
Interest Charges Calculated daily, charged monthly
Loan Set Up Costs  $300
Conveyancing Costs   May apply
Account Keeping Fees  No
Redraw Facility Free Redraw
 Minimum Redraw Amount $1,000

Firefighter Home Loan

2.99
%
p.a.
Variable rate
3.32
%
p.a.
Comparison rate*
  • 2.99% p.a. Variable - 3.23% p.a. Comparison Rate*

    • Extra repayments with no penalty
    • Free redraw
    • Up to 80% no LMI - up to 90% with LMI
    • Owner Occupied loans only
    • Apply Now
Features  
Minimum Ammount $200,000
Loan Period  Up to 30 years
Repayments  Weekly, fortnightly or monthly
Interest Charges  Calculated daily, charged monthly
Loan Set Up Costs  $300
Annual Fee  $300
Conveyancing Costs   May apply
Redraw Facility

 Free Redraw

Minimum Redraw amount $1,000
Maximum Redraw available

Capped at $20,000

Top up Facility Available  Yes

Standard Variable Home Loan

3.34
%
p.a.
Variable rate
3.36
%
p.a.
Comparison rate*
  • 3.34% p.a. Variable - 3.36% p.a. Comparison Rate*

    • Owner Occupied
    • Free redraw available on advance repayments
    • Extra repayments accepted without penalty
    • Flexible repayments to suit you
    • Up to 80% no LMI - up to 90% with LMI
    • Apply Now
Features  
Minimum Amount $25,000
Loan Period Up to 30 years
Repayments Weekly, fortnightly or monthly
Interest Charges Calculated daily, charged monthly
Loan Set Up Costs $300
Conveyancing Costs May apply
Account Keeping Fees No
Free Redraw Facility Yes
Minimum Redraw amount $500

Investment Loan

From
3.34
%
p.a.
Variable rate
3.36
%
p.a.
Comparison rate*
  • From 3.34% p.a. Variable - 3.36% p.a. Comparison Rate*

    • Non-owner occupied
    • Free redraw available on advance repayments
    • Flexible repayments to suit you
    • Up to 80% no LMI - up to 90% with LMI
    • Apply Now
Features  
Minimum Amount $25,000
Loan Period Up to 30 years
Repayments Weekly, fortnightly or monthly
Interest Charges Calculated daily, charged monthly
Loan Set Up Costs $300
Conveyancing Costs May apply
Account Keeping Fees No
Free Redraw Facility Yes
Minimum Redraw Facility

$500

Flexi Credit Overdraft

 
5.95
%
p.a.
  • 5.95% p.a. Variable

    • Funds are equity secured
    • Great for home renovations
    • Convenient 24/7 access
    • Apply Now
Features  
Minimum Amount $25,000
Repayments Monthly repayment
Interest Charges Calculated daily, charged monthly
Account Keeping Fees $10 per month

Credit eligibility criteria, terms and conditions, fees and charges apply.

^The discounted variable interest rate is 0.70% below the Firefighter Home Loan. After the expiry of the discounted rate period, the interest rate changes to our Firefighter Home Loan Rate (currently 2.99% Variable Rate, 3.32% p.a. Comparison Rate*).

*COMPARISON RATE BASED ON $150,000 OVER 25 YEARS.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fess or other loan amounts might result in a different comparison rate. This offer is subject to allocation and for a limited time only. Fire Service Credit Union Ltd, 22 Chancery Lane Adelaide SA 5000, ABN 17 087 651 152 Australian Credit License 237515.

Rates

Check out our home loan, personal loan, overdraft and credit card rates. Find out More

Calculators

Calculate repayments, borrowing power, stamp duty and comparison rates Find out more