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 29 February 2020. 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

  • no

  • 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 29 February 2020. 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

  • no

  • 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 29 February 2020. 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

  • no

  • 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 29 February 2020. 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

  • no

  • 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

    Read full review

    So far so good

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    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 made and the best ways to pay off the loan in the quickest manner.

    Read full review

    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
    Less
    Trevor, South Australia reviewed over 4 years ago
  • Overall 9/10
    Good service

    Convenient, friendly, good service.

    Read full review

    Convenient, friendly, good service.

    Price
    9/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Maurice, South Australia reviewed almost 5 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

    Read full review

    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
    Less
    Monica, South Australia reviewed about 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

    Read full review

    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
    Less
    Helen, South Australia reviewed about 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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*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.