Home Loans

Before you make what will probably be the biggest financial commitment of your life, talk to us about a credit union home loan.

Whether you are buying your first home or upgrading to a larger one, considering extensions, renovations etc., you need a loan that gives you the flexibility to balance your mortgage and your lifestyle.

A credit union home loan offers the convenience of regular payroll deductions or periodic payments from your savings account.

However, before you get to the stage of looking for a loan there are many things to consider.

Your first step should be to make an appointment with one of our staff who will be able to assist you in working out how to go about the process. A short discussion with us will establish such things as the minimum deposit, approximate loan amount available as well as minimum repayment, etc.

Apart from discussing your financial situation, we are able to guide you in dealing with real estate agents, solicitors, insurance and the many other factors involved in buying a home.

When we finally agree on all the above, we can then discuss how you will be able to choose from the many flexible Firefighters Credit Union home loan options which include:

  • Loan terms up to 30 years
  • Loan amounts from $30,000 to $750,000
  • Competitive interest rates
  • NO account-keeping fees
  • Principle & Interest loans
  • Same interest rate for owner-occupied or investment
  • Interest only
  • 100% Interest Off-set (tax effective link to savings)
  • Variable or Fixed interest rate
  • Advance payments re-draw
  • Ability to top-up at later date

Finally, apart from all the above features, the greatest benefit of a Firefighters Home Loan is that it includes access to all our other services as part of the total package.

Also, you can gain reassurance from the knowledge that, as a member of the credit union, you will receive more compassionate treatment if you are unfortunate enough to experience financial difficulties due to ill health or temporary unemployment.

Talk to us about a home loan to suit your individual needs.

Download a loan application form

Click here for Fees & Charges

Click here for interest rates

Click here for home loan calculator

Click here for a Home Loan Key Facts sheet



If you would like to find out more about our home loans, simply speak to a staff member today by contacting our office during branch hours on (03) 8417 1777 or 1300 366 350 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it

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 Reviews of existing mortgages are free to members. To book please contact us on 03 8417 1777 or info@fccl.com.au

BSB: 803 – 209
ASFL & ACL: 240898
ABN: 68 087 651 429