People's Choice home loans

4.0
Based on 187 People's Choice home loan product reviews.
Fact Checked

Adelaide-based People's Choice is one of Australia's largest credit unions with over 375,000 members. In addition to a range of other banking products People's Choice offer a number of fixed, variable and package home loans to owner occupier and investor borrowers. 

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Last updated 25 October 2024 Important disclosures and comparison rate warning*

People's Choice home loans

  • First Home Buyer Fixed Rate Loan

    • <80% LVR
    • Principal & Interest
    Interest rate
    5.39 % p.a.
    Fixed 3 years
    Comparison rate
    6.25 % p.a.
    Initial monthly repayment
    $2,805
    Link not supplied

  • Fixed Rate Home Loan

    • LVR <80%
    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.49 % p.a.
    Fixed 5 years
    Comparison rate
    6.19 % p.a.
    Initial monthly repayment
    $2,836
    Link not supplied

  • Fixed Rate Home Loan

    • LVR <80%
    • Investment
    • Principal & Interest
    Interest rate
    5.69 % p.a.
    Fixed 5 years
    Comparison rate
    6.41 % p.a.
    Initial monthly repayment
    $2,899
    Link not supplied

  • Fixed Rate Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.69 % p.a.
    Fixed 5 years
    Comparison rate
    7.51 % p.a.
    Initial monthly repayment
    $2,899
    Link not supplied

  • Fixed Rate Home Loan

    • Investment
    • Principal & Interest
    Interest rate
    5.89 % p.a.
    Fixed 5 years
    Comparison rate
    7.94 % p.a.
    Initial monthly repayment
    $2,962
    Link not supplied

  • Basic Variable Home Loan

    • LVR<70%
    • Owner Occupier
    • Principal and Interest
    • >$150k
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.00 % p.a.
    Initial monthly repayment
    $2,995
    Link not supplied

  • Variable Home Loan

    • LVR<70%
    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.35 % p.a.
    Initial monthly repayment
    $2,995
    Link not supplied

  • Basic Variable Home Loan

    • LVR<70%
    • Investment
    • Principal and Interest
    • >$150k
    Interest rate
    6.24 % p.a.
    Variable
    Comparison rate
    6.25 % p.a.
    Initial monthly repayment
    $3,075
    Link not supplied

  • Variable Home Loan

    • LVR<70%
    • Investment
    • Principal & Interest
    Interest rate
    6.24 % p.a.
    Variable
    Comparison rate
    6.60 % p.a.
    Initial monthly repayment
    $3,075
    Link not supplied

  • Standard Variable Rate Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    8.76 % p.a.
    Variable
    Comparison rate
    8.82 % p.a.
    Initial monthly repayment
    $3,937
    Link not supplied

  • Basic Variable Home Loan

    • Investment
    • Principal & Interest
    Interest rate
    8.83 % p.a.
    Variable
    Comparison rate
    8.83 % p.a.
    Initial monthly repayment
    $3,962
    Link not supplied

  • Standard Variable Rate Loan

    • Investment
    • Principal & Interest
    Interest rate
    9.41 % p.a.
    Variable
    Comparison rate
    9.48 % p.a.
    Initial monthly repayment
    $4,171
    Link not supplied

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People's Choice home loan ratings

Overall customer rating for People's Choice home loans

4.0
Based on 187 product reviews.

Customer reviews

Important disclosures

People's Choice products

Home loan quick links


* 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.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

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