People's Choice home loans

4.0
Based on 189 People's Choice home loan product reviews.
Fact Checked

Adelaide-based People's Choice is one of Australia's largest credit unions with over 375,000 members. In addition to a range of other banking products People's Choice offer a number of fixed, variable and package home loans to owner occupier and investor borrowers. 

Last updated 3 April 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • First Home Buyer Fixed Rate Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    • For first home buyers
    Interest rate
    5.49 % p.a.
    Fixed 3 years
    Comparison rate
    6.05 % p.a.
    Initial monthly repayment
    $2,836
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    Interest rate
    5.59 % p.a.
    Fixed 2 years
    Comparison rate
    6.08 % p.a.
    Initial monthly repayment
    $2,867
    No Partner link
  • Basic Variable Home Loan

    • Owner occupier
    • Principal & Interest
    • 30% min deposit
    • Redraw available
    Interest rate
    5.64 % p.a.
    Variable
    Comparison rate
    5.65 % p.a.
    Initial monthly repayment
    $2,883
    No Partner link
  • Variable Home Loan

    • Owner occupier
    • Principal & Interest
    • 30% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.64 % p.a.
    Variable
    Comparison rate
    6.02 % p.a.
    Initial monthly repayment
    $2,883
    No Partner link
  • Basic Variable Home Loan

    • Investor
    • Principal & Interest
    • 30% min deposit
    • Redraw available
    Interest rate
    5.79 % p.a.
    Variable
    Comparison rate
    5.80 % p.a.
    Initial monthly repayment
    $2,931
    No Partner link
  • Variable Home Loan

    • Investor
    • Principal & Interest
    • 30% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.79 % p.a.
    Variable
    Comparison rate
    6.16 % p.a.
    Initial monthly repayment
    $2,931
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 20% min deposit
    Interest rate
    5.79 % p.a.
    Fixed 2 years
    Comparison rate
    6.23 % p.a.
    Initial monthly repayment
    $2,931
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    Interest rate
    5.79 % p.a.
    Fixed 2 years
    Comparison rate
    8.08 % p.a.
    Initial monthly repayment
    $2,931
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 10% min deposit
    Interest rate
    5.99 % p.a.
    Fixed 2 years
    Comparison rate
    8.61 % p.a.
    Initial monthly repayment
    $2,995
    No Partner link
  • Basic Variable Home Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    8.33 % p.a.
    Variable
    Comparison rate
    8.33 % p.a.
    Initial monthly repayment
    $3,784
    No Partner link

Sign up for rate alerts and news.

People's Choice home loan ratings

Overall customer rating for People's Choice home loans

4.0
Based on 189 product reviews.

Customer reviews

Important disclosures

People's Choice products

Home loan quick links


* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.