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Easy Start Home Loan (Principal and Interest)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • Low interest rate
  • Suitable for low deposits
  • Parents can sign as guarantor
Cons:
  • No redraw and no offset
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$0 - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$572,184View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$750
Application fee
Application fee$750
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$250
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$0 - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$572,184View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$750
Application fee
Application fee$750
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$250

Founded in 1974, the FCCS Credit Union was established by a devoted group of Ford Motor Company employees with the mission of providing financial services to Geelong Ford employees and their families.

During the 1990s, the FCCS Credit Union underwent two mergers which resulted in an expansion into Sydney and as a result opened up its membership to all Australians. Since opening its doors, the FCCS Credit Union has grown from strength to strength and has broadened its member base and range of products and services.

FCCS have a strong community focus and proudly supports education programs, safety and environment initiatives, art and culture and health and wellbeing community initiatives.

FCCS Home Loan Calculator  

Interested in an FCCS home loan? RateCity has a suite of calculators that can show you what your repayments would be and how FCCS compares to its competitors. Simply plug in your borrowing amount below.

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