FSCU offer a Standard Variable home loan for members seeking to purchase a new home or refinance their current home loan, with competitive rates, unlimited extra repayments and no annual fee.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.69% | 6.70% | Variable · owner occupied · principal and interest | Certain occupations | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/22- Content hash
sha256 019c6ef2edce48f8e3772a1c40d9400e81a985a957451de74d27b86a8950f9df- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_019c6ef2edce48f8_89d94562Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/22- Content hash
sha256 019c6ef2edce48f8e3772a1c40d9400e81a985a957451de74d27b86a8950f9df- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Home Loan 1st Mortgage Application Fee | Upfront | $300.00 |
| Existing Mortgage Increase Application Fee | Upfront | $150.00 |
| PEXA Settlement Fee # | Upfront | $71.28 |
| Discharge Mortgage Amin Fee## | Event | $150.00 |
| Mortgage Discharge Doc Fee ## | Event | $235.75 |
| LTO Mortgage Discharge ## | Event | $204.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | View the balance of the account and transfer extra funds whenever you like for free | |
| Extra repayments | Product has the option to accept extra repayments without incurring additional charges. | |
| Offset | The balance in this account reduces the interest you pay on your mortgage. | |
| Redraw | Free redraw available on advance repayments | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: other | To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services. | |
| Eligibility: residency status | Australian Residents only | |
| Limit: min limit | 25000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.69% | 6.70% |
*Comparison rates are calculated on a $150,000 secured loan over a 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
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