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 with our home loan comparison tools.

Rates and fees verified as correct at 19 September, 2018. 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.

6.01% p.a.

$8.00 monthly

$750

4.19% p.a.

5.61% p.a.

$8.00 monthly

$750

4.39% p.a.

5.59% p.a.

$8.00 monthly

$750

4.09% p.a.

5.12% p.a.

$8.00 monthly

$750


Hide

Variable Rate Home Loans Variable Rate Home Loans

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

5.48% p.a.

5.54% p.a.

$0.00

$750

5.07% p.a.

5.13% p.a.

$0.00

$750

4.97% p.a.

5.03% p.a.

$0.00

$750

4.42% p.a.

4.48% p.a.

$0.00

$750

5.78% p.a.

5.84% p.a.

$0.00

$750

5.37% p.a.

5.43% p.a.

$0.00

$750

5.27% p.a.

5.33% p.a.

$0.00

$750

4.72% p.a.

4.78% p.a.

$0.00

$750

6.36% p.a.

6.50% p.a.

$8.00 monthly

$750

5.95% p.a.

6.10% p.a.

$8.00 monthly

$750

5.85% p.a.

6.00% p.a.

$8.00 monthly

$750

5.30% p.a.

5.45% p.a.

$8.00 monthly

$750


Hide

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 ‡

4.19% p.a.

5.13% p.a.

$395.00 yearly

$0

3.89% p.a.

4.66% p.a.

$395.00 yearly

$0

4.44% p.a.

5.62% p.a.

$395.00 yearly

$0

4.04% p.a.

5.23% p.a.

$395.00 yearly

$0

4.24% p.a.

5.14% p.a.

$395.00 yearly

$0

3.94% p.a.

4.67% p.a.

$395.00 yearly

$0


Hide

Variable Package Home Loan Variable Package Home Loan

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

5.56% p.a.

5.93% p.a.

$395.00 yearly

$0

5.15% p.a.

5.53% p.a.

$395.00 yearly

$0

5.26% p.a.

5.63% p.a.

$395.00 yearly

$0

4.85% p.a.

5.23% p.a.

$395.00 yearly

$0

4.75% p.a.

5.13% p.a.

$395.00 yearly

$0

3.59% p.a.

4.00% p.a.

$395.00 yearly

$0

4.95% p.a.

5.33% p.a.

$395.00 yearly

$0

4.95% p.a.

5.33% p.a.

$395.00 yearly

$0

4.40% p.a.

4.79% p.a.

$395.00 yearly

$0


Hide

Line of Credit Line of Credit

Product Rate Comparison Rate* Service fee Upfront fee

6.25% p.a.

n/a

$8.00 monthly

$750

Hide

*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 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 Standard Variable Rate Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   5 / 10

I miss personal contact

We have banked with them for many years. Unfortunately there is no branch near us, none in this area at all, the nearest is over an hour's drive away. Phone and online internet banking is OK, but there are times when I would like to speak directly...

Full review

We have banked with them for many years. Unfortunately there is no branch near us, none in this area at all, the nearest is over an hour's drive away. Phone and online internet banking is OK, but there are times when I would like to speak directly with someone in a branch locally.

    Price   4 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

Jan (SA), reviewed 6 months ago

People's Choice Credit Union

People's Choice Credit Union Standard Variable Rate Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Very competitive

Very happy with our house loans and ongoing support from peoples choice credit union

Full review

Very happy with our house loans and ongoing support from peoples choice credit union

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Darryl (SA), reviewed 8 months ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   8 / 10

Staff are always helpful and understanding

Staff are always helpful and understanding, especially during difficult times. If it wasn't for them, I wouldn't have a home loan.

Full review

Staff are always helpful and understanding, especially during difficult times. If it wasn't for them, I wouldn't have a home loan.

    Price   8 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Rachel (SA), reviewed over 1 year ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier, Principal & Interest) 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 almost 3 years 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 almost 3 years ago

Hide reviews

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)
Hide

More helpful home loan quick links