People's Choice Credit Union Fixed Rate Home Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $20,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $20,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $20,000

3.24% p.a.

4.50% p.a.

$8.00 monthly

People's Choice Credit Union Fixed Rate Home Loan

3.24% p.a.

4.50% p.a.

$8.00 monthly

3.99% p.a.

5.09% p.a.

$8.00 monthly

People's Choice Credit Union Fixed Rate Home Loan

3.99% p.a.

5.09% p.a.

$8.00 monthly

3.68% p.a.

5.08% p.a.

$8.00 monthly

People's Choice Credit Union Fixed Rate Home Loan

3.68% p.a.

5.08% p.a.

$8.00 monthly

3.99% p.a.

5.39% p.a.

$8.00 monthly

People's Choice Credit Union Fixed Rate Home Loan

3.99% p.a.

5.39% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 23 November 2019. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.14% (4.75%*)

  • 3.14% (4.61%*)

  • 3.24% (4.50%*)

  • 3.64% (4.52%*)

  • 3.74% (4.48%*)

  • n/a

  • n/a

  • 4.76% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a

  • none

  • none

  • none

  • 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 23 November 2019. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.89% (5.32%*)

  • 3.89% (5.19%*)

  • 3.99% (5.09%*)

  • 4.19% (5.06%*)

  • 4.29% (5.02%*)

  • n/a

  • n/a

  • 5.31% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a

  • none

  • none

  • none

  • 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 23 November 2019. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.58% (5.38%*)

  • 3.58% (5.21%*)

  • 3.68% (5.08%*)

  • 4.04% (5.07%*)

  • 4.14% (5.03%*)

  • n/a

  • n/a

  • 5.41% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a

  • none

  • none

  • none

  • 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 23 November 2019. 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
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.89% (5.67%*)

  • 3.89% (5.50%*)

  • 3.99% (5.39%*)

  • 4.44% (5.38%*)

  • 4.54% (5.36%*)

  • n/a

  • n/a

  • 5.71% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a

  • none

  • none

  • none

  • 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?

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 Fixed Rate Home Loan

  • Overall
    10/10
    Good so far

    So far so good

    So far so good

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

    George | South Australia

    reviewed over 2 years ago

  • Overall
    10/10
    To reach yor goal in the quirkiest manner

    They have been there for the loan and are helpful and informative about improvements that can be...

    They have been there for the loan and are helpful and informative about improvements that can be made and the best ways to pay off the loan in the quickest manner.

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

    Trevor | South Australia

    reviewed over 4 years ago

  • Overall
    9/10
    Good service

    Convenient, friendly, good service.

    Convenient, friendly, good service.

    Price
    9/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    Maurice | South Australia

    reviewed over 4 years ago

  • Overall
    9/10
    GREAT CUSTOMER SERVICE

    They upgraded my loan twice in 2 yrs so am happy with them than any other bank

    They upgraded my loan twice in 2 yrs so am happy with them than any other bank

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

    Monica | South Australia

    reviewed almost 5 years ago

  • Overall
    10/10
    Very competitive and great to deal with

    They are just so great to deal with if you have any queries and so freindly

    They are just so great to deal with if you have any queries and so freindly

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

    Helen | South Australia

    reviewed almost 5 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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2.99% p.a.
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3.72% p.a.

$450

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2.80% p.a.

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RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

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Discount Variable Home Loan

3.07% p.a. variable

3.09% p.a.

$150

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Smart Home Loan

2.88% p.a. variable

2.90% p.a.

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Athena

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Variable Home Loan

2.84% p.a. variable

2.80% p.a.

Promoted

Heritage Bank

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Discount Variable Home Loan

3.07% p.a. variable

3.09% p.a.

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

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loans.com.au

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Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a.

2.80% p.a.

$0

Promoted

IMB Bank

IMB Bank

Budget Home Loan

3.13% p.a.

3.19% p.a.

$799

Promoted

Bank of Queensland

Bank of Queensland

Economy

3.49% p.a.

3.65% p.a.

$450

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Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.07% p.a.

3.09% p.a.

$150

Promoted

Bank of Sydney

Bank of Sydney

BOSBasic Home Loan

2.96% p.a.

3.01% p.a.

$750

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Essentials Variable

3.04% p.a.

3.06% p.a.

$520

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Westpac

Westpac

Flexi First Option Home Loan

3.28% p.a.

3.29% p.a.

$0

Promoted

Queensland Country Credit Union

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RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

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Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

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Heritage Bank

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Fixed Rate Loan (Home Advantage)

2.99% p.a.
fixed 3 years

3.56% p.a.

$150

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

Promoted

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Fixed Home Loan

3.79% p.a.
fixed 3 years

3.47% p.a.

$520

Promoted

Heritage Bank

Heritage Bank

Fixed Rate Loan (Home Advantage)

2.99% p.a.
fixed 3 years

3.56% p.a.

$150

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Mortgage House

Mortgage House

Advantage Home Loan (Fixed)

2.79% p.a.
fixed 3 years

3.17% p.a.

$840

*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.