I understand that the pension factor is determined per pay, so there is a pro-rata scale between 10.6 and 10.4 each fortnight. What would get locked in on your birthday is any salary increases or a review of your salary if it is maintained with AWOTE that would increase your FAS and the end benefit. So definitely worth waiting for your birthday. I'd suggest to contact PSS now if you know the date.
That was one of the questions I asked at my PSSdb review I did with Mal Tews in 2020 and he basically said many lenders consider a Public Service defined benefit CPI indexed pension as a very secure income and similar as any normal PAYE income stream so such loan would be relatively easy to obtain with minimal hoops etc.
If it was continuous, it should have set your Super Salary (viewable on the CSC website) at the EL2 level at that point and there *may* be less benefit to 12 months in current role (plus next birthday) to increase your Final Average Salary.
aa06259810