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)

8.7 / 10

based on 41 reviews

People's Choice Credit Union home loans offer a range of packages for different needs. Check out our range of home loans for an overview of interest rates, fees and more. Or you can compare the whole market with our home loan comparison tools.

Rates and fees verified as correct at 10 December, 2016. 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 ‡

4.59% p.a.

5.41% p.a.

$8.00 monthly

$750

3.94% p.a.

5.02% 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 ‡

4.74% p.a.

4.80% p.a.

$0.00

$750

4.24% p.a.

4.30% p.a.

$0.00

$750

4.94% p.a.

5.00% p.a.

$0.00

$750

4.63% p.a.

4.69% p.a.

$0.00

$750

5.52% p.a.

5.67% p.a.

$8.00 monthly

$750

5.21% p.a.

5.36% 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 ‡

3.74% p.a.

4.84% p.a.

$395.00 yearly

$0

4.44% p.a.

5.24% p.a.

$395.00 yearly

$0

3.79% p.a.

4.85% p.a.

$395.00 yearly

$0


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Variable Package Home Loan Variable Package Home Loan

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

5.02% p.a.

5.40% p.a.

$395.00 yearly

$0

4.82% p.a.

5.20% p.a.

$395.00 yearly

$0

4.67% p.a.

5.06% p.a.

$395.00 yearly

$0

3.79% p.a.

4.20% p.a.

$395.00 yearly

$0

4.52% p.a.

4.91% p.a.

$395.00 yearly

$0

3.95% p.a.

4.35% p.a.

$395.00 yearly

$0

4.71% p.a.

5.10% p.a.

$395.00 yearly

$0

4.51% p.a.

4.90% p.a.

$395.00 yearly

$0

4.36% p.a.

4.75% p.a.

$395.00 yearly

$0


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Line of Credit Line of Credit

Product Rate Comparison Rate* Service fee Upfront fee

5.37% p.a.

n/a

$8.00 monthly

$750

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

People's Choice Credit Union home loans

Overall 8.7*

Price

Features

Customer service

Convenience

Trust

41 Reviews

* Overall rating based on reviews in the past 12 months.

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 Basic Variable Home Loan (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

Service staff are compassionate and understanding.

Have been with this bank for over > 20 years. I was retrenched 2.5 years ago and received no income for nearly two years. I now receive unemployment benefits and am now struggling to make my loan payments. Peoples Choice have been very patient and...

Full review

Have been with this bank for over > 20 years. I was retrenched 2.5 years ago and received no income for nearly two years. I now receive unemployment benefits and am now struggling to make my loan payments. Peoples Choice have been very patient and understanding in relation to when my payments aren't made on time.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Wendy (SA), reviewed about 1 year ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

Great home loan products.

Peoples' choice have a great mortgage facility with an offset account, great organisation to bank with.

Full review

Peoples' choice have a great mortgage facility with an offset account, great organisation to bank with.

    Price   9 / 10

    Features   10 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Rob (SA), reviewed about 1 year ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

First class customer service, and personal care.

The service and attention to customer needs is beyond comparison and highly recommended to those who like to feel wanted and just an account holder.

Full review

The service and attention to customer needs is beyond comparison and highly recommended to those who like to feel wanted and just an account holder.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Lewis (SA), reviewed over 1 year ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

Very competitive

Great customer service,personal response and great offers.

Full review

Great customer service,personal response and great offers.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sandra (SA), reviewed over 1 year ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier) home loan review

Overall rating   9 / 10

Great credit Union, helpful staff

Great credit Union, helpful staff.

Full review

Great credit Union, helpful staff.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Bronwyn (SA), reviewed over 1 year 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.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ 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.

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.

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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