8.0 / 10

based on 1645 reviews as rated by Mozo community

People's Choice Credit Union home loans

People's Choice Credit Union, who were a 2019 Mozo Experts Choice Award winner,  offer a range of home loans packages for both owner occupier and investors needs. 

Check out our range of home loans for an overview of interest rates, fees and more. Or you can compare with our home loan comparison tools.

What home loans do People's Choice Credit Union offer?

Rates and fees verified as correct at 03 December, 2020. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments ‡

3.19% p.a.

4.70% p.a.

$8.00 monthly

$750

2.44% p.a.

4.11% p.a.

$8.00 monthly

$750

3.29% p.a.

5.02% p.a.

$8.00 monthly

$750

2.89% p.a.

4.70% p.a.

$8.00 monthly

$750

Variable Rate Home Loans

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments ‡  

4.23% p.a.

4.24% p.a.

$0.00

$0

3.09% p.a.

3.10% p.a.

$0.00

$0

3.68% p.a.

3.69% p.a.

$0.00

$0

2.49% p.a.

2.49% p.a.

$0.00

$0

Go to site

4.48% p.a.

4.49% p.a.

$0.00

$0

3.40% p.a.

3.41% p.a.

$0.00

$0

3.93% p.a.

3.94% p.a.

$0.00

$0

3.00% p.a.

3.01% p.a.

$0.00

$0

5.06% p.a.

5.21% p.a.

$8.00 monthly

$750

4.51% p.a.

4.66% p.a.

$8.00 monthly

$750

4.69% p.a.

4.70% p.a.

$0.00

$0

3.14% p.a.

3.15% p.a.

$0.00

$0

4.33% p.a.

4.34% p.a.

$0.00

$0

2.69% p.a.

2.70% p.a.

$0.00

$0

4.99% p.a.

5.00% p.a.

$0.00

$0

4.58% p.a.

4.59% p.a.

$0.00

$0

3.40% p.a.

3.41% p.a.

$0.00

$0

5.46% p.a.

5.61% p.a.

$8.00 monthly

$750

5.16% p.a.

5.31% p.a.

$8.00 monthly

$750

Fixed Package Home Loan

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments ‡  

p.a.

n/a

$395.00 yearly

$0

p.a.

n/a

$395.00 yearly

$0

3.04% p.a.

4.19% p.a.

$395.00 yearly

$0

2.09% p.a.

3.67% p.a.

$395.00 yearly

$0

Go to site

2.49% p.a.

4.23% p.a.

$395.00 yearly

$0

2.29% p.a.

4.00% p.a.

$395.00 yearly

$0

Variable Package Home Loan

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments ‡

3.24% p.a.

3.66% p.a.

$395.00 yearly

$0

2.84% p.a.

3.26% p.a.

$395.00 yearly

$0

3.09% p.a.

3.50% p.a.

$395.00 yearly

$0

4.06% p.a.

4.46% p.a.

$395.00 yearly

$0

3.66% p.a.

4.07% p.a.

$395.00 yearly

$0

4.31% p.a.

4.70% p.a.

$395.00 yearly

$0

4.06% p.a.

4.46% p.a.

$395.00 yearly

$0

3.49% p.a.

3.90% p.a.

$395.00 yearly

$0

3.49% p.a.

3.90% p.a.

$395.00 yearly

$0

3.04% p.a.

3.46% p.a.

$395.00 yearly

$0

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.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

How are People's Choice Credit Union home loans rated?

Mozo users have rated People's Choice Credit Union home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
People's Choice Credit Union home loans
Overall
7.9/10
Price
Features
Customer service
Convenience
Trust

177 Reviews

Recent People's Choice Credit Union home loan reviews

People's Choice Credit Union Variable Home Loan (Package) review
Overall 1/10
Trying to charge $4000 in arrears twice.

Finance managers are a bunch of donkeys. I just sold my house and they are trying to charge me twice for arrears. Now I'm considering having my account audited for fraud. They don't call back when they stuff up and are not helpful.

Read full review

Finance managers are a bunch of donkeys. I just sold my house and they are trying to charge me twice for arrears. Now I'm considering having my account audited for fraud. They don't call back when they stuff up and are not helpful.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
4/10
Trust
1/10
Less
Josie, South Australia reviewed 7 days ago
People's Choice Credit Union Home Loan review
Overall 9/10
Peoples Choice are reliable and competitive.

I've always been able to contact them easily with any issues and they have always sorted those issues right then or got back to me within the timeframe they said they would. Interest rates are competitive and they offer good features on their loans.

Read full review

I've always been able to contact them easily with any issues and they have always sorted those issues right then or got back to me within the timeframe they said they would. Interest rates are competitive and they offer good features on their loans.

Price
8/10
Features
9/10
Customer service
10/10
Convenience
7/10
Trust
9/10
Less
Shaylee, South Australia reviewed about 2 months ago
People's Choice Credit Union Home Loan review
Overall 9/10
Great bank with great people.

People’s Choice staff are always helpful and were very supportive during a difficult period of redundancy. They have also contacted us to reduce our mortgage rates by moving us to a new product without us even having to ask.

Read full review

People’s Choice staff are always helpful and were very supportive during a difficult period of redundancy. They have also contacted us to reduce our mortgage rates by moving us to a new product without us even having to ask.

Price
10/10
Features
6/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Richard, South Australia reviewed 3 months ago
People's Choice Credit Union Home Loan review
Overall 8/10
Peoples choice for a reason

Peoples choice is a small provider - where people count. Not a big 4 bank where you are just a number. Love the personalised service.

Read full review

Peoples choice is a small provider - where people count. Not a big 4 bank where you are just a number. Love the personalised service.

Price
7/10
Features
7/10
Customer service
10/10
Convenience
7/10
Trust
10/10
Less
Tamara, Victoria reviewed 4 months ago
People's Choice Credit Union Home Loan review
Overall 8/10
People pleasers!

Really friendly staff who are helpful and seem to actually want to help you instead of helping themselves!

Read full review

Really friendly staff who are helpful and seem to actually want to help you instead of helping themselves!

Price
8/10
Features
8/10
Customer service
8/10
Convenience
10/10
Trust
9/10
Less
Teena, Northern Territory reviewed 5 months ago

What do you need to apply for a People's Choice Credit Union home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

Home loan quick links