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People's Choice Credit Union home loans

People's Choice Credit Union
People's Choice Credit Union's overall rating for home loans

(as rated by the Mozo community)

7.9 / 10

based on 173 reviews

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.

Rates and fees verified as correct at 07 July, 2020. Other information correct at the time of writing.

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

Fixed Rate Home Loans Fixed Rate Home Loans

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.29% p.a.

5.02% p.a.

$8.00 monthly

$750

2.89% p.a.

4.70% p.a.

$8.00 monthly

$750

3.59% p.a.

4.81% p.a.

$8.00 monthly

$750

2.44% p.a.

4.11% p.a.

$8.00 monthly

$750


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Variable Rate Home Loans Variable Rate Home Loans

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡  

4.69% p.a.

4.70% p.a.

$0.00

$0

3.59% p.a.

3.60% p.a.

$0.00

$0

4.33% p.a.

4.34% p.a.

$0.00

$0

3.19% p.a.

3.20% p.a.

$0.00

$0

4.23% p.a.

4.24% p.a.

$0.00

$0

3.73% p.a.

3.74% p.a.

$0.00

$0

3.68% p.a.

3.69% p.a.

$0.00

$0

2.69% p.a.

2.69% p.a.

$0.00

$0

Go to site

4.99% p.a.

5.00% p.a.

$0.00

$0

4.58% p.a.

4.59% p.a.

$0.00

$0

3.31% p.a.

3.32% p.a.

$0.00

$0

4.48% p.a.

4.49% p.a.

$0.00

$0

3.85% p.a.

3.86% 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

5.46% p.a.

5.61% p.a.

$8.00 monthly

$750

5.16% p.a.

5.31% p.a.

$8.00 monthly

$750

5.06% p.a.

5.21% p.a.

$8.00 monthly

$750

4.51% p.a.

4.66% p.a.

$8.00 monthly

$750


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Fixed Package Home Loan 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

2.74% p.a.

4.47% p.a.

$395.00 yearly

$0

2.58% p.a.

4.22% p.a.

$395.00 yearly

$0

3.49% p.a.

4.41% p.a.

$395.00 yearly

$0

2.29% p.a.

3.72% p.a.

$395.00 yearly

$0

Go to site

Hide

Variable Package Home Loan Variable Package Home Loan

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.56% p.a.

4.95% p.a.

$395.00 yearly

$0

4.26% p.a.

4.65% p.a.

$395.00 yearly

$0

3.80% p.a.

4.21% p.a.

$395.00 yearly

$0

2.95% p.a.

3.37% p.a.

$395.00 yearly

$0

3.50% p.a.

3.90% p.a.

$395.00 yearly

$0

3.29% p.a.

3.70% p.a.

$395.00 yearly

$0

3.24% p.a.

3.65% p.a.

$395.00 yearly

$0

4.21% p.a.

4.61% p.a.

$395.00 yearly

$0

3.66% p.a.

4.07% p.a.

$395.00 yearly

$0


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*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?

People's Choice Credit Union home loans

Overall 7.9

Price

Features

Customer service

Convenience

Trust

173 Reviews

Recent People's Choice Credit Union home loan reviews Recent People's Choice Credit Union home loan reviews

People's Choice Credit Union

People's Choice Credit Union Home Loan review

Overall rating   8 / 10

People pleasers!

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

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 11 days ago

People's Choice Credit Union

People's Choice Credit Union Home Loan review

Overall rating   0 / 10

Wasted our time looking elsewhere!

Customer service are a joke. Banked there for 20 years and received nothing but a feeling of disappointment when going for home loans. All that was brought up was pre-covid-19 & that we would have had a chance then but not now because lending has...

Full review

Customer service are a joke. Banked there for 20 years and received nothing but a feeling of disappointment when going for home loans. All that was brought up was pre-covid-19 & that we would have had a chance then but not now because lending has doubled. Penalised for other non payments of mortgages because of the pandemic.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Jeffrey, South Australia, reviewed 13 days ago

People's Choice Credit Union

People's Choice Credit Union Line of Credit review

Overall rating   9 / 10

Great variety of banking options and helpful staff

A great variety of banking options available whether you’re wanting assistance with loans or savings. Staff are always friendly and helpful. Would highly recommend People’s Choice Credit Union for all your banking needs.

Full review

A great variety of banking options available whether you’re wanting assistance with loans or savings. Staff are always friendly and helpful. Would highly recommend People’s Choice Credit Union for all your banking needs.

    Price   7 / 10

    Features   3 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Yvonne, South Australia, reviewed 15 days ago

People's Choice Credit Union

People's Choice Credit Union First Home Buyer Fixed Rate Loan (Package) review

Overall rating   6 / 10

It's not a bank, it's a credit union

I have nothing else to compare but I think I'm getting taken care of but I'm not sure how much longer they'll be around.

Full review

I have nothing else to compare but I think I'm getting taken care of but I'm not sure how much longer they'll be around.

    Price   3 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   2 / 10

    Trust   6 / 10

Less

Nyree, South Australia, reviewed about 1 month ago

People's Choice Credit Union

People's Choice Credit Union Home Loan review

Overall rating   10 / 10

Excellent service.

Brilliant service. I feel like a valued member.

Full review

Brilliant service. I feel like a valued member.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Lisa, South Australia, reviewed 3 months ago

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