RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  L25 Firefighter Package

FSCU offer the Firefighter Package home loan for members seeking to purchase their first home, wanting to buy a new home or to refinance their current home loan, with competitive rates and unlimited extra repayments.
Category: Home Loans  Last Updated December 12, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information New Money for Owner occupied with a LVR not exceeding 60%
Interest Rate
5.14% PA
Comparison Rate
5.43%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Product Features

  • Digital Banking Additional Information: View the balance of the account and transfer extra funds whenever you like for free
  • Extra Repayments Additional Information: Product has the option to accept extra repayments without incurring additional charges.
  • Offset Additional Information: The balance in this account reduces the interest you pay on your mortgage.
  • Redraw Additional Information: Minimum redraw amount $1,000 - capped at $20,000

Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.
  • Residency Status - Australian Residents Only.

Bank Fees and Charges

  • Home Loan Redraw (Event), Amount: 0.00.
  • Home Loan 1st Mortgage Application Fee (Upfront), Amount: 300.00.
  • Existing Mortgage Increase Application Fee (Upfront), Amount: 150.00.
  • Annual Service Fee (Event), Amount: 300.00.
  • Mortgage Discharge Admin Fee # (Event), Amount: 150.00.
  • Mortgage Discharge Doc Fee ## (Event), Amount: 235.75.
  • Lto Mortgage Discharge ## (Event), Amount: 192.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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