People's Choice Credit Union Variable Home Loan - New Business Offer (Package)

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 between $100,000 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 $100,000 and $1,500,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $1,500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $100,000 and $1,500,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $100,000 $1,500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $100,000 $1,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $100,000 $1,500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $100,000 $1,500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $100,000 $1,500,000

3.20% p.a.

3.61% p.a.

$395.00 yearly

People's Choice Credit Union Variable Home Loan - New Business Offer (Package)

3.20% p.a.

3.61% p.a.

$395.00 yearly

3.49% p.a.

3.90% p.a.

$395.00 yearly

People's Choice Credit Union Variable Home Loan - New Business Offer (Package)

3.49% p.a.

3.90% p.a.

$395.00 yearly

3.54% p.a.

3.94% p.a.

$395.00 yearly

People's Choice Credit Union Variable Home Loan - New Business Offer (Package)

3.54% p.a.

3.94% p.a.

$395.00 yearly

3.75% p.a.

4.15% p.a.

$395.00 yearly

People's Choice Credit Union Variable Home Loan - New Business Offer (Package)

3.75% p.a.

4.15% p.a.

$395.00 yearly

4.05% p.a.

4.45% p.a.

$395.00 yearly

People's Choice Credit Union Variable Home Loan - New Business Offer (Package)

4.05% p.a.

4.45% p.a.

$395.00 yearly

Mozo Review   People's Choice Credit Union Variable Home Loan - New Business Offer (Package) Review

Last updated: 19 February 2020.

What's hot:
  • Mozo 2019 Expert’s Choice winner

  • 3.20% variable rate (3.61% comparison rate*)

  • Credit card or personal loan application fee waived

  • No application fee

What's not:
  • $395 yearly service fee

  • $350 discharge fee

Mozo snapshot:

If you’re a borrower looking to be a part of a community that can help you buy your dream home, then the People’s Choice Credit Union Variable Rate Home Loan (Package) could be the one. Aside from being a 2019 Mozo Experts Choice Award winner, borrowers with a 20% deposit will receive the low 3.20% variable rate (3.61% comparison rate*) (Lenders Mortgage Insurance applies) and pay no application, legal, settlement or valuation fee, plus have access to some handy discounts on their credit card or personal loan.

Key features:

The People’s Choice Credit Union Variable Rate Home Loan (Package) is made for borrowers who want more than just a mortgage. Starting with a low 3.20% variable rate (3.61% comparison rate*), this loan also features no application, settlement, valuation or legal fees, though there is $395 yearly service fee to remember. Investors rates start from 3.54% (3.94% comparison rate*) for principal and interest repayments.

Borrowers looking to make extra repayments can do so for free and have the choice to make weekly, fortnightly or monthly repayments. There’s also a free redraw facility ($1,000 minimum), which borrowers can take advantage of for any unexpected bills or costs. The loan also offers a free offset account as well as the option to split your loan between a variable and fixed rate.

But what really makes the People’s Choice Credit Union Variable Rate Home Loan (Package) a great pick is the range of discounts available for borrowers who bundle their products, like a $0 credit card or personal loan application fee and a $0 fee on your Everyday and ZIP account. And to make sure you’re still on the right home loan for your stage a life, People’s Choice Credit Union offer free loan reviews.

However, when your loan is paid off in full, borrowers will be charged a $350 discharge fee.

Who it's good for:

If you’re a future homeowner that prefers to be part of a community rather than a bank and want a little more bang for your buck, then the People’s Choice Credit Union Variable Rate Home Loan (Package) could be a great pick.

Any catches?

If you take out a People’s Choice Credit Union Variable Rate Home Loan (Package), there are a few fees to budget for, like the $395 yearly service fee and $350 discharge fee.

Details

Rates and fees information correct as at 21 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
  • 3.20% p.a.

  • n/a

  • n/a

  • n/a

  • 3.61% 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

  • $395.00 yearly

  • $350.00

Other financial bits
  • $100,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • Fee waiver on credit card, transaction account, 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 21 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
  • 3.49% p.a.

  • n/a

  • n/a

  • n/a

  • 3.90% 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

  • $395.00 yearly

  • $350.00

Other financial bits
  • $100,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • Fee waiver on credit card, transaction account, 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 21 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
  • 3.54% 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

  • $395.00 yearly

  • $350.00

Other financial bits
  • $100,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • Fee waiver on credit card, transaction account, 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 21 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
  • 3.75% p.a.

  • n/a

  • n/a

  • n/a

  • 4.15% 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

  • $395.00 yearly

  • $350.00

Other financial bits
  • $100,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • Fee waiver on credit card, transaction account, 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 21 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
  • 4.05% p.a.

  • n/a

  • n/a

  • n/a

  • 4.45% 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

  • $395.00 yearly

  • $350.00

Other financial bits
  • $100,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • Fee waiver on credit card, transaction account, 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
8.0/10
Price
7.4/10
Features
6.7/10
Customer service
8.2/10
Convenience
8.0/10
Trust
8.1/10
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.