Firefighters Home Loan

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

A variable home loan rate for new owner-occupied home loans less than 60% LVR.^


Refinancing refers to the process of paying out your current home loan by taking out a new loan, either with your existing lender or through a different lender. Reasons for refinancing might be because your financial situation has changed, or you might just be looking for a better deal.

Refinancing could save you if rates drop or if there’s a great deal on offer and because you can refinance up to 80% of your home’s value, you could borrow more money on your new loan and use it for other expenses or investments.

At FSCU we make refinancing your home loan quick and simple. Our Home Loan specialists will be with you through the whole process to answer any questions or concerns you may have.

Simply give us a call today to discuss what your options may be!

Reduce the rate

Reducing your interest rate means reducing your repayments and therefore saving money.

Consolidate debts

When you refinance you may be able to consolidate existing debts into one easy repayment.

Renovate your home

Refinancing can free up extra funds for things like renovations.

How much can I borrow?

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

Home Loan Refinancing Questions

If you’re keen to secure a better interest rate or enjoy more loan features, refinancing your home loan can be the solution. Refinancing is also an opportunity to get control of debt or tap into any home equity you’ve built up.

To apply for a loan we need to know what you need to borrow, your income details, what you own and/or any loans or credit you owe and a living expenses form will need to be completed. That way we can let you know if we can help with your refinance.

In order to know how much you can borrow – simply call us for an over the phone application. Or check out our Calculators for a quick overview.

To get pre-approval simply speak to one of our Home Loan specialists. Give us a  call or head into the branch for a FREE pre-approval.


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.

^ 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.

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