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People's Choice Credit Union Standard Variable Rate Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $20,000 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 $20,000 and $1,500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $20,000 and $1,500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $20,000 and $1,500,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $20,000 $1,500,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $20,000 $1,500,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000 $1,500,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $20,000 $1,500,000

Rate
4.51% p.a.
Comparison Rate*
4.66% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Rate
5.06% p.a.
Comparison Rate*
5.21% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Rate
5.16% p.a.
Comparison Rate*
5.31% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Rate
5.46% p.a.
Comparison Rate*
5.61% p.a.
Service fee
$8.00 monthly
Upfront fee
$750

Details

Rates and fees information correct as at 11 July 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
  • 4.51% p.a.

  • n/a

  • n/a

  • n/a

  • 4.66% 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

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • $1,500,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • Valuation fee payable at cost.

  • $8 monthly fee for optional offset account

  • 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 11 July 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
  • 5.06% p.a.

  • n/a

  • n/a

  • n/a

  • 5.21% 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

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • $1,500,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • Valuation fee payable at cost.

  • $8 monthly fee for optional offset account

  • 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 11 July 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
  • 5.16% p.a.

  • n/a

  • n/a

  • n/a

  • 5.31% 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

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • $1,500,000

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • Valuation fee payable at cost.

  • $8 monthly fee for optional offset account

  • 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 11 July 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
  • 5.46% p.a.

  • n/a

  • n/a

  • n/a

  • 5.61% 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

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $20,000

  • $1,500,000

  • none

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • Valuation fee payable at cost.

  • $8 monthly fee for optional offset account

  • 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
7.9/10
Price
7.4/10
Features
6.7/10
Customer service
8.2/10
Convenience
7.9/10
Trust
8.1/10

Latest reviews of People's Choice Credit Union Standard Variable Rate Loan

  • Overall 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 with someone in a branch locally.

    Read 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, South Australia reviewed over 2 years ago
  • Overall 10/10
    Very competitive

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

    Read 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, South Australia reviewed over 2 years ago
  • Overall 8/10
    Old fashion banking service

    Love it that I can talk to someone about any of my banking queries. Customer service is amazing!

    Read full review

    Love it that I can talk to someone about any of my banking queries. Customer service is amazing!

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Brooke, Western Australia reviewed about 5 years ago
  • Overall 10/10
    Great service

    Best value.

    Read full review

    Best value.

    Price
    6/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Darrin, South Australia reviewed over 6 years ago
  • Overall 9/10
    No complaints, customer service is great

    The Peoples Choice Credit Union is great, helpful, easy to contact by phone and a human answers not a robot with 50 different options etc. My home loan was painless, efficient and the repayments are great.

    Read full review

    The Peoples Choice Credit Union is great, helpful, easy to contact by phone and a human answers not a robot with 50 different options etc. My home loan was painless, efficient and the repayments are great.

    Price
    9/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Maureen, Victoria reviewed over 6 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.