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People's Choice Fixed Rate Home Loan

Advertiser disclosure
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 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

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 95% $20,000
Investor Principal & Interest < 90% $20,000
Investor Interest Only < 90% $20,000
  • Owner Occupier (Principal & Interest)
    LVR < 95%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR < 90%
    Loan: $20,000
  • Investor (Interest Only)
    LVR < 90%
    Loan: $20,000
Fixed 3 year rate
5.69% p.a.
Comparison Rate
7.97% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Fixed 3 year rate
5.89% p.a.
Comparison Rate
8.47% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Fixed 3 year rate
6.09% p.a.
Comparison Rate
8.53% p.a.
Service fee
$8.00 monthly
Upfront fee
$750

Details

Rates and fees information correct as at 9 October 2024. 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

6.09% (8.60%*)

5.99% (8.31%*)

5.69% (7.97%*)

5.69% (7.73%*)

5.69% (7.51%*)

n/a

n/a

8.76% 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

^See information about the Mozo Expert Choice Home Loans Awards

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 9 October 2024. 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

6.29% (9.19%*)

6.19% (8.85%*)

5.89% (8.47%*)

5.89% (8.19%*)

5.89% (7.94%*)

n/a

n/a

9.41% 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

^See information about the Mozo Expert Choice Home Loans Awards

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 9 October 2024. 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

6.49% (9.21%*)

6.39% (8.89%*)

6.09% (8.53%*)

6.09% (8.26%*)

6.09% (8.02%*)

n/a

n/a

9.41% 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

^See information about the Mozo Expert Choice Home Loans Awards

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 home loans rated by the Mozo community?

Overall
8.0/10
Price
7.3/10
Features
6.7/10
Customer service
8.1/10
Convenience
7.9/10
Trust
8.0/10
Based on 187 People's Choice home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of People's Choice Fixed Rate Home Loan

About People's Choice

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Basic Home Loan (Fixed)

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5.95% p.a.

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6.09% p.a. variable

6.09% p.a.

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Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

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6.29% p.a. variable

6.20% p.a.

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3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

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OMG Home Loan

5.99% p.a. variable

6.02% p.a.

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Variable

5.99% p.a. variable

5.90% p.a.

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Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

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Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

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Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

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6.29% p.a. variable

6.20% p.a.

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ubank

Flex Home Loan

6.14% p.a. variable

6.38% p.a.

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Bendigo Bank

Express Home Loan

6.09% p.a. variable

6.22% p.a.

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Aussie

Elevate

6.18% p.a. variable

6.18% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a.

6.22% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.18% p.a.

6.18% p.a.

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ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

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Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.39% p.a.
fixed 3 years

5.95% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

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Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

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SWSbank

Fixed Home Loan Rate

5.59% p.a.
fixed 3 years

6.31% p.a.

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Macquarie

Basic Home Loan (Fixed)

5.49% p.a.
fixed 3 years

6.02% p.a.

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Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.59% p.a.
fixed 3 years

6.64% p.a.

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ING

Fixed Rate Loan

5.79% p.a.
fixed 3 years

6.07% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% 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.

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