People's Choice Credit Union Basic Variable Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 90%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $50,000 $1,500,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $50,000 $1,500,000

  • Owner Occupier (Interest Only)

    LVR 80%-95%

    Loan: $50,000 $1,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $1,500,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $50,000 $1,500,000

4.42% p.a.

4.48% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

4.42% p.a.

4.48% p.a.

$0.00

4.72% p.a.

4.78% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

4.72% p.a.

4.78% p.a.

$0.00

4.97% p.a.

5.03% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

4.97% p.a.

5.03% p.a.

$0.00

5.27% p.a.

5.33% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

5.27% p.a.

5.33% p.a.

$0.00

5.07% p.a.

5.13% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

5.07% p.a.

5.13% p.a.

$0.00

5.37% p.a.

5.43% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

5.37% p.a.

5.43% p.a.

$0.00

5.48% p.a.

5.54% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

5.48% p.a.

5.54% p.a.

$0.00

5.78% p.a.

5.84% p.a.

$0.00

People's Choice Credit Union Basic Variable Home Loan

5.78% p.a.

5.84% p.a.

$0.00

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 4.42% p.a.

  • n/a

  • 0 Months

  • none

  • 4.48% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 4.72% p.a.

  • n/a

  • 0 Months

  • none

  • 4.78% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 4.97% p.a.

  • n/a

  • 0 Months

  • none

  • 5.03% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 5.27% p.a.

  • n/a

  • 0 Months

  • none

  • 5.33% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 5.07% p.a.

  • n/a

  • 0 Months

  • none

  • 5.13% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 5.37% p.a.

  • n/a

  • 0 Months

  • none

  • 5.43% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 5.48% p.a.

  • n/a

  • 0 Months

  • none

  • 5.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Details

Rates and fees information correct as at 19 October 2018.

Rates
  • 5.78% p.a.

  • n/a

  • 0 Months

  • none

  • 5.84% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Valuation fee payable at cost.

  • none

*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.

Customer Reviews

How are People's Choice Credit Union home loans rated by the Mozo community?

Overall customer rating
8.0/10
Price
7.4/10
Features
6.7/10
Customer service
8.2/10
Convenience
8.0/10
Trust
8.1/10

Latest reviews of People's Choice Credit Union Basic Variable Home Loan

  • Overall
    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...

    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

    Wendy | South Australia

    reviewed almost 3 years ago

  • Overall
    10/10
    First class customer service, and personal care.

    The service and attention to customer needs is beyond comparison and highly recommended to those...

    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

    Lewis | South Australia

    reviewed about 3 years ago

  • Overall
    10/10
    Very competitive

    Great customer service,personal response and great offers.

    Great customer service,personal response and great offers.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Sandra | South Australia

    reviewed about 3 years ago

  • Overall
    9/10
    Great credit Union, helpful staff

    Great credit Union, helpful staff.

    Great credit Union, helpful staff.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Bronwyn | South Australia

    reviewed over 3 years ago

People's Choice Credit Union

About People's Choice Credit Union

People's Choice Credit Union is a member owned financial institution offering its members a wide range of competitive banking, insurance and investment products and services. Formed through the merger of Savings & Loans and Australian Central, Peoples Choice Credit Union has more than 350,000 members Australia wide. At Peoples Choice Credit Union, its customers are its owners so everything they do is designed to benefit their members.

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3.83% p.a.
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3.99% p.a.
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4.82% p.a.

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4.02% p.a.

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3.66% p.a.

$0.00

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3.69% p.a.

3.73% p.a.

$0.00

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3.59% p.a.

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$0.00

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3.67% p.a.

3.69% p.a.

$0.00

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3.64% p.a.

3.66% p.a.

$0.00

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3.68% p.a.

3.82% p.a.

$10.00 monthly

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3.72% p.a.

4.12% p.a.

$395.00 yearly

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3.68% p.a.

3.69% p.a.

$0.00

*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.