The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $100,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan of at least $100,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan of at least $100,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $100,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $100,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 80% | $100,000 | |
|
|
Owner Occupier | Principal & Interest | 80%-95% | $100,000 | |
|
|
Owner Occupier | Interest Only | < 80% | $100,000 | |
|
|
Owner Occupier | Interest Only | 80%-95% | $100,000 | |
|
|
Investor | Principal & Interest | < 80% | $100,000 | |
|
|
Investor | Principal & Interest | 80%-90% | $100,000 | |
|
|
Investor | Interest Only | < 80% | $100,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $100,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000
Owner Occupier (Interest Only)
LVR 80%-95%
Loan: $100,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $100,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000
With some seriously competitive fixed rates, a low deposit requirement and a range of discounts on other banking products, the Fixed Rate Home Loan (Package) from People’s Choice could be an offer that ticks all the boxes. It could be especially appealing to first home buyers, borrowers looking for a package deal, or to investors.
With the People’s Choice Fixed Rate Home Loan (Package) owner occupiers and investors will be able to choose fixed rate terms from 1-5 years on loan values above $100,000, with the interest rate available depending on the length of the term and the loan-to-value ratio (LVR) of the borrower.
Borrowers can also take out a loan with a deposit as low as 5%, meaning the Fixed Rate Home Loan (Package) could be an appealing option for first-time buyers. Though it's worth noting that loans with higher LVR's will attract higher rates.
When it comes to paying off the loan, borrowers will be able to do so on a timeframe which suits them (or their pay schedule), with weekly, fortnightly or monthly repayments available. Plus People's Choice allows for extra repayments to the tune of $10,000/year to be made towards the loan to help borrowers pay it off faster.
And this wouldn’t be much of a package loan without some discounts, but People's Choice has borrowers covered in that respect with fee waivers on products such as their Visa Credit Card, Personal Loan and Everyday Account.
While borrowers won’t need to worry about forking out any upfront fees, there is a relatively hefty $395 annual service fee to consider. That’s why it may be worth weighing up the benefits you’ll receive from the relatively low rates and discounted People's Choice products against that yearly fee.
The Fixed Rate Home Loan (Package) from People’s Choice could be a competitive option for any borrowers looking for a packaged mortgage with some competitively priced fixed rates, particularly if they have a deposit on the lower side (at least 5%).
While the loan does come with features such as the ability to make extra repayments, it doesn’t come with a redraw facility or an offset account which may be important to some borrowers.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.89% (3.90%*) |
|
|
5.59% (4.16%*) |
|
|
5.89% (4.42%*) |
|
|
6.09% (4.70%*) |
|
|
6.14% (4.92%*) |
|
|
n/a |
|
|
n/a |
|
|
3.34% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.04% (4.04%*) |
|
|
5.74% (4.31%*) |
|
|
6.04% (4.58%*) |
|
|
6.24% (4.85%*) |
|
|
6.29% (5.07%*) |
|
|
n/a |
|
|
n/a |
|
|
3.49% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.59% (3.96%*) |
|
|
6.29% (4.29%*) |
|
|
6.59% (4.62%*) |
|
|
6.79% (4.95%*) |
|
|
6.84% (5.23%*) |
|
|
n/a |
|
|
n/a |
|
|
3.34% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.74% (4.11%*) |
|
|
6.44% (4.44%*) |
|
|
6.74% (4.77%*) |
|
|
6.94% (5.10%*) |
|
|
6.99% (5.38%*) |
|
|
n/a |
|
|
n/a |
|
|
3.49% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.09% (4.18%*) |
|
|
5.79% (4.44%*) |
|
|
6.09% (4.70%*) |
|
|
6.29% (4.96%*) |
|
|
6.34% (5.18%*) |
|
|
n/a |
|
|
n/a |
|
|
3.64% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.24% (4.33%*) |
|
|
5.94% (4.59%*) |
|
|
6.24% (4.85%*) |
|
|
6.44% (5.11%*) |
|
|
6.49% (5.33%*) |
|
|
n/a |
|
|
n/a |
|
|
3.79% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.29% (4.20%*) |
|
|
5.99% (4.47%*) |
|
|
6.29% (4.75%*) |
|
|
6.49% (5.04%*) |
|
|
6.54% (5.27%*) |
|
|
n/a |
|
|
n/a |
|
|
3.64% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$100,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a |
|
|
none |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
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.
We have been with TIO (Peoples Choice Credit Union) for years. They have been terrific to deal with this whole time and I would highly recommend them.
Read full reviewWe have been with TIO (Peoples Choice Credit Union) for years. They have been terrific to deal with this whole time and I would highly recommend them.
The signing up for load was an easy process
Read full reviewThe signing up for load was an easy process
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
Newcastle Permanent
Fixed Rate Home Loan
5.89% p.a.
fixed 3 years
5.65% p.a.
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.
