First Home Owner’s Loan

5.84% p.a. Variable – 6.12% p.a. Comparison Rate*

Options for no LMI – great savings and more $$ for you^

Buying your first home

Buying your first home will be the biggest purchase you make. Knowing where to start and what to expect can be a little overwhelming. That’s where FSCU can help! Let us guide you along in this exciting journey.

Things to consider

Knowing what to expect gives you the ability to navigate the process with confidence.

Loan terms explained

Here are a few technical loan terms you may come across on your home loan journey.

First Home Owner's Loan Features

Minimum Amount $150,000
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

How much can I borrow?

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


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

Rates And 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!

Home Loan Key Facts Sheet

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

Apply Now

See all of our loan rates. Whether it’s a new home, car, holiday, motorbike, boat, wedding or even a kitchen – let us help make it a reality.


Interest rates are current as at 08/09/2023. 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.

Credit eligibility criteria, terms and conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details are on our website or on request. Fire Service Credit Union Ltd, 22 Chancery Lane Adelaide SA 5000 08 8227 2222  visit to find out more.

Fire Service Credit Union Ltd ABN 17 087 651 152 AFSL and Australian Credit Licence 237515