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Home Loan Benefits

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Our home loans come with some great benefits...

Variable and Lump Sum Repayments

By contributing any extra income to your loan, in addition to your usual repayments, you are able to pay off your loan sooner and therefore you could save thousands of dollars in interest costs. ^

Early Repayment without Penalty

The earlier you pay off your loan the more money you save in interest charges. ^

A Mortgage Offset Account

An Offset account is a great way to reduce the interest you pay on your home loan. A Mortgage Offset account can be linked to FCCS Home Loan and works like a savings account, with money easily accessible, but the balance of the savings in this account is 100% offset against your loan balance .^

A Redraw Facility

The Credit Union gives you the option of making extra repayments on your loan and then having the flexibility of being able to redraw on these extra repayments. Terms and conditions are available on application. ^

Mortgage Protection Insurance Available

Loans are long term commitments, so it makes sense to protect your repayments. Learn more about our Mortgage Protection Insurance. ^

Automatic Repayments (Salary/Account)

You can arrange to make automatic repayments either by payroll deduction, direct debit from your savings or transaction account, Internet or Phone banking. Setting up automatic repayments saves you time and enables you to avoid any late fees. ^

More Information


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