A home loan to suit your needs
What loan is right for you?
Buying your first home?
Achieve your dream of home ownership with the help of FSCU
Looking at Refinancing?
If you're thinking about refinancing FSCU makes it easy, talk to us today.
Quick and Easy Applications
Let us help you take the next step. Our lenders are ready to assist you evaluate your position, look at loans & costs
Easy Applications. Fast Approvals.
Firefighter Home Loan
Rates starting from
5.89% p.a variable rate
6.17%¹ p.a comparison rate
For Firefighter Home Loan
Have a question or want more information? We are here to help!
Loan to Value Ratio (LVR)
≤60%^
>60-80%
At FSCU we aim to provide pre-approval within 24-48 business hours of receiving supporting documents.
Competitive rates. Long-term growth.
Investment Home Loans
Rates starting from
6.44% p.a variable rate
6.45%¹ p.a comparison rate
For Principle & Interest Home Loan
Have a question or want more information? We are here to help!
Principle & Interest
Intertest Only*
Whether you're buying your first home, refinancing, or investing in property, our loan calculators can help you estimate repayments, compare options, and plan with confidence.
Flexible lending. Competitive rates.
Standard Variable Home Loan
Rates starting from
6.44% p.a variable rate
6.45%¹ p.a comparison rate
With loan terms up to 30 years and the flexibility to make additional repayments.
Have a question or want more information? We are here to help!
Competitive rates are just the beginning. When it comes to our range of savings and loan products we’re committed to providing you with competitive interest rates.
Remove the uncertainty
Easily compare our home loan features
| Home loan features |
Firefighter home Loan LVR ≤60%^ |
Firefighter home Loan LVR ≤80% |
Standard variable home loan |
Investment home loan (Principle & Interest) |
Investment home loan (Interest only*) |
|---|---|---|---|---|---|
| LVR Loan to Value ratio |
≤60%^ | ≤80%^ | |||
| Interest rate | 5.89% p.a. | 6.24% p.a. | 6.44% p.a. | 6.44% p.a. | 6.74% p.a. |
| Comparison rate | 6.17%¹ p.a. | 6.51%¹ p.a. | 6.45%¹ p.a. | 6.45%¹ p.a. | 6.76%¹ p.a. |
| Rate type | Variable | Variable | Variable | Variable | Variable |
| Minimum loan amount New money only |
$150,000 | $150,000 | $25,000 | $25,000 | $150,000 |
| Loan term | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 5 years |
| Redraw | Yes | Yes | Yes | Yes | No |
| Loan purpose | Owner occupied | Owner occupied | Owner occupied | Investment | Investment |
| Extra repayments | Accepted with no penalty |
Accepted with no penalty |
Accepted with no penalty |
Accepted with no penalty |
No |
| Offset account | Yes | Yes | Yes | Yes | No |
| Application fee | $300 | $300 | $300 | $300 | $300 |
| Annual fee | $300 | $300 | No | No | No |
Have a question or want more information? We are here to help!
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.
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.
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!
Home Loan Key Facts Sheet
Generate your own Home Loan Key Facts Sheet that you can save and print as a pdf.
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.
Credit eligibility criteria, terms and conditions, fees and charges apply.
Interest rates are current as at 21/05/2026. Interest rates are subject to change without notice.
^ This offer applies to applications in which the loan to value ratio is 60% or less.
¹ The Comparison rate is based on a $150,000 secured loan for 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.
* Investment Interest only loan after the initial term reverts to the Investment Loan Principal and Interest rate at the time.