People's Choice Credit Union logo

People's Choice Credit Union Basic Variable Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 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 $150,000 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 $150,000 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 $150,000 and $1,500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 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 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 this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $150,000 $1,500,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Owner Occupier (Interest Only)

    LVR 80%-95%

    Loan: $150,000 $1,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $1,500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • 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

Rate
2.49% p.a.
Comparison Rate
2.49% p.a.
Service fee
$0.00
Upfront fee
$0
Go to site
Rate
3.00% p.a.
Comparison Rate
3.01% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.09% p.a.
Comparison Rate
3.10% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.40% p.a.
Comparison Rate
3.41% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.69% p.a.
Comparison Rate
2.70% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.40% p.a.
Comparison Rate
3.41% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.14% p.a.
Comparison Rate
3.15% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.68% p.a.
Comparison Rate
3.69% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.93% p.a.
Comparison Rate
3.94% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.23% p.a.
Comparison Rate
4.24% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.48% p.a.
Comparison Rate
4.49% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.33% p.a.
Comparison Rate
4.34% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.58% p.a.
Comparison Rate
4.59% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.69% p.a.
Comparison Rate
4.70% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
4.99% p.a.
Comparison Rate
5.00% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review People's Choice Credit Union Basic Variable Home Loan

Last updated: 22 September 2020.

binocular icon
What's hot
  • Free extra repayments
  • Redraw facility available
  • No upfront or ongoing fees
What's not
  • No offset account
  • No repayment holidays
Mozo snapshot

With a competitive 2.49% p.a. interest rate (2.49% p.a. comparison rate) for owner-occupiers paying off the loan principal and interest and with a deposit of 20% or more, the People's Choice Credit Union Basic Variable Home Loan has everything you want in a no frills home loan. The loan comes with no upfront fees and handy features like the ability to make fee-free extra repayments when you’ve got the dough and want to reduce interest repayments faster. You can also redraw from what you’ve repaid on the loan if you require the cash flow, but there is a $1,000 redraw minimum.

key icon
Key features

There are a range of options available with the Basic Variable Home Loan with interest rates and loan amounts depending on whether you’re borrowing as an investor or owner occupier and the amount of deposit you have. 

To score the appealing 2.49% p.a. rate (2.49% p.a. comparison rate*), you’ll need at least a 20% deposit, and to be living at the premises and making P&I repayments. There is a minimum loan amount on this loan of $150,000 but no maximum so it should be suitable for most Aussie borrowers.

There’s more flexibility to be found in the loan repayment frequency, which has weekly, fortnightly or monthly options, letting you factor your mortgage repayments into your pay cycle. 

There is also a split loan option which allows you to secure a fixed interest rate for a portion of your loan, while also maximising the benefits of the variable portion. 

While you can make free additional repayments and redraws on the loan, ensure that you’re planning budget moves with the $1,000 redraw minimum.

snapshot
Who is it good for

The People's Choice Credit Union Basic Variable Home Loan suits new borrowers seeking flexibility alongside the personalised management of a credit union.

question icon
Any catches

The competitive 2.49% interest rate is a special rate only available to new customers so if you’re already a customer of PCCU you won’t have access to this offer.  

And while you won’t see any upfront or ongoing fees across the life of this loan, you will encounter a $350 discharge fee once you finish paying it off, or should you choose to refinance with another lender.

Details

Rates and fees information correct as at 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.00% p.a.

  • n/a

  • n/a

  • n/a

  • 3.01% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $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

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.09% p.a.

  • n/a

  • n/a

  • n/a

  • 3.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.40% p.a.

  • n/a

  • n/a

  • n/a

  • 3.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $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

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.69% p.a.

  • n/a

  • n/a

  • n/a

  • 2.70% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.40% p.a.

  • n/a

  • n/a

  • n/a

  • 3.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.14% p.a.

  • n/a

  • n/a

  • n/a

  • 3.15% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Special rates only available for new customers.

  • none

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.68% p.a.

  • n/a

  • n/a

  • n/a

  • 3.69% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.93% p.a.

  • n/a

  • n/a

  • n/a

  • 3.94% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.23% p.a.

  • n/a

  • n/a

  • n/a

  • 4.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.48% p.a.

  • n/a

  • n/a

  • n/a

  • 4.49% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.33% p.a.

  • n/a

  • n/a

  • n/a

  • 4.34% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.58% p.a.

  • n/a

  • n/a

  • n/a

  • 4.59% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.69% p.a.

  • n/a

  • n/a

  • n/a

  • 4.70% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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 24 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.99% p.a.

  • n/a

  • n/a

  • n/a

  • 5.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $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

  • 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?

Price
7.3/10
Features
6.6/10
Customer service
8.2/10
Convenience
7.9/10
Trust
8.0/10

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

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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.

See People's Choice Credit Union home loans

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

p.a.

3.64% p.a.

$395.00 yearly

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.99% p.a.
fixed 3 years

3.64% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

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Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

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People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

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loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.99% p.a.
fixed 3 years

3.64% p.a.

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Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

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UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

$0.00

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

$0.00

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

$0.00

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

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Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

$0.00

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Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

$0.00

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GMCU

Basic Variable

2.33% p.a.variable for 24 months and then 3.82% p.a.

3.71% p.a.

$8.00 monthly

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Athena

AcceleRATES Variable Home Loan

2.29% p.a.

2.23% 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.