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 175 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 19 September, 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

3.34% p.a.

3.35% p.a.

$0.00

$0

4.33% p.a.

4.34% p.a.

$0.00

$0

3.09% p.a.

3.10% p.a.

$0.00

$0

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

2.69% 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

3.40% p.a.

3.41% p.a.

$0.00

$0

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

5.46% 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.

4.29% p.a.

$395.00 yearly

$0

2.58% p.a.

4.07% p.a.

$395.00 yearly

$0

3.49% p.a.

4.30% 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 ‡

4.31% 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

3.24% p.a.

3.66% p.a.

$395.00 yearly

$0

2.84% p.a.

3.26% p.a.

$395.00 yearly

$0

3.49% p.a.

3.90% p.a.

$395.00 yearly

$0

3.24% p.a.

3.65% 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


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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?

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Overall 7.9

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Trust

175 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   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.

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 24 days ago

People's Choice Credit Union

People's Choice Credit Union Home Loan review

Overall rating   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.

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 about 2 months ago

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 3 months 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 3 months 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 3 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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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