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 owner occupier taking out a interest only 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 interest only 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 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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $100,000 | $1,500,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $100,000 | $1,500,000 |
| | Investor | Principal & Interest | < 80% | $100,000 | $1,500,000 |
| | Owner Occupier | Interest Only | < 80% | $100,000 | $1,500,000 |
| | Owner Occupier | Interest Only | 80%-90% | $100,000 | $1,500,000 |
| | Investor | Principal & Interest | 80%-90% | $100,000 | $1,500,000 |
| | Investor | Interest Only | < 80% | $100,000 | $1,500,000 |
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
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $1,500,000
Owner Occupier (Interest Only)
LVR 80%-90%
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
If you’re a borrower looking for a home loan with the works, then the People’s Choice Variable Rate Home Loan (Package) could worth taking a closer look at. Aside from the range of package perks (think fee waivers) and useful features (think offset account) that come with the loan, borrowers with a 20% deposit will also be able to snag variable rates as low as 2.84% (3.26% comparison rate*).
The People’s Choice Variable Rate Home Loan (Package) is made for borrowers who want more from their mortgage. Starting with variable rates from 2.84% (3.26% comparison rate*), the loan also features no application, settlement, valuation or legal fees, though there is $395 yearly service fee to remember. Investors rates start from 3.04% (3.46% comparison rate*) for principal and interest repayments.
Borrowers looking to make extra repayments can do so for free and they'll have the choice to make weekly, fortnightly or monthly repayments. There’s also a free redraw facility which borrowers can use to access any extra repayments they've already made ($1,000 minimum redraw), plus the loan also comes with a 100% offset account as well as a split account option.
But what will really elevate the Variable Rate Home Loan (Package) for customers looking to bundle their banking products together is the range of discounts available on other People's Choice accounts. For example, People's Choice will waive the application fee on credit card and personal loans, as well as the monthly account fee on the Everyday and ZIP transaction accounts.
If you like the idea of brining all of your banking products under the one umbrella and you can make the most of the package perks on offer, then the People’s Choice Variable Rate Home Loan (Package) could be a great pick for you.
Don't forget, if you take out a People’s Choice Variable Rate Home Loan (Package) there are a few fees to budget for including the $395 yearly service fee and a one-off $350 discharge fee.
| 2.84% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.26% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| none | |
| 80.00% |
| 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.
| 2.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.40% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| 80.00% | |
| 90.00% |
| 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.
| 3.14% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.55% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| none | |
| 80.00% |
| 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.
| 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 |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| 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.
| 3.69% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 4.10% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| 80.00% | |
| 90.00% |
| Owner Occupier | |
| 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.
| 3.29% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.70% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| 80.00% | |
| 90.00% |
| 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.
| 3.34% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.76% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $350.00 |
| $100,000 | |
| $1,500,000 | |
| none | |
| 80.00% |
| 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.
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Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
$0.00
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.
