People's Choice Credit Union home loan reviews

People's Choice Credit Union
People's Choice Credit Union's overall rating for home loans

(as rated by the Mozo community)

8.0 / 10

based on 162 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from People's Choice Credit Union

Recent People's Choice Credit Union home loan reviews

People's Choice Credit Union

People's Choice Credit Union Standard Variable Rate Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   5 / 10

I miss personal contact

We have banked with them for many years. Unfortunately there is no branch near us, none in this area at all, the nearest is over an hour's drive away. Phone and online internet banking is OK, but there are times when I would like to speak directly...

Full review

We have banked with them for many years. Unfortunately there is no branch near us, none in this area at all, the nearest is over an hour's drive away. Phone and online internet banking is OK, but there are times when I would like to speak directly with someone in a branch locally.

    Price   4 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

Jan, South Australia, reviewed about 1 year ago

People's Choice Credit Union

People's Choice Credit Union Standard Variable Rate Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Very competitive

Very happy with our house loans and ongoing support from peoples choice credit union

Full review

Very happy with our house loans and ongoing support from peoples choice credit union

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Darryl, South Australia, reviewed about 1 year ago

People's Choice Credit Union

People's Choice Credit Union Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Good so far

So far so good

Full review

So far so good

    Price   10 / 10

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George, South Australia, reviewed almost 2 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   8 / 10

Staff are always helpful and understanding

Staff are always helpful and understanding, especially during difficult times. If it wasn't for them, I wouldn't have a home loan.

Full review

Staff are always helpful and understanding, especially during difficult times. If it wasn't for them, I wouldn't have a home loan.

    Price   8 / 10

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Rachel, South Australia, reviewed about 2 years ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Service staff are compassionate and understanding.

Have been with this bank for over > 20 years. I was retrenched 2.5 years ago and received no income for nearly two years. I now receive unemployment benefits and am now struggling to make my loan payments. Peoples Choice have been very patient and...

Full review

Have been with this bank for over > 20 years. I was retrenched 2.5 years ago and received no income for nearly two years. I now receive unemployment benefits and am now struggling to make my loan payments. Peoples Choice have been very patient and understanding in relation to when my payments aren't made on time.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Wendy, South Australia, reviewed over 3 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

Great home loan products.

Peoples' choice have a great mortgage facility with an offset account, great organisation to bank with.

Full review

Peoples' choice have a great mortgage facility with an offset account, great organisation to bank with.

    Price   9 / 10

    Features   10 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Rob, South Australia, reviewed over 3 years ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

First class customer service, and personal care.

The service and attention to customer needs is beyond comparison and highly recommended to those who like to feel wanted and just an account holder.

Full review

The service and attention to customer needs is beyond comparison and highly recommended to those who like to feel wanted and just an account holder.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Lewis, South Australia, reviewed over 3 years ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Very competitive

Great customer service,personal response and great offers.

Full review

Great customer service,personal response and great offers.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sandra, South Australia, reviewed over 3 years ago

People's Choice Credit Union

People's Choice Credit Union Basic Variable Home Loan (LVR<80%, Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Great credit Union, helpful staff

Great credit Union, helpful staff.

Full review

Great credit Union, helpful staff.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Bronwyn, South Australia, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

To reach yor goal in the quirkiest manner

They have been there for the loan and are helpful and informative about improvements that can be made and the best ways to pay off the loan in the quickest manner.

Full review

They have been there for the loan and are helpful and informative about improvements that can be made and the best ways to pay off the loan in the quickest manner.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Trevor, South Australia, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union Fixed Rate Loan (Owner Occupier, Principal & Interest) (Package) home loan review

Overall rating   9 / 10

Great customer service

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.

Full review

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.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Margaret, New South Wales, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union Standard Variable Rate Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Old fashion banking service

Love it that I can talk to someone about any of my banking queries. Customer service is amazing!

Full review

Love it that I can talk to someone about any of my banking queries. Customer service is amazing!

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Brooke, Western Australia, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union Line of Credit home loan review

Overall rating   9 / 10

Accessible

Good fast service

Full review

Good fast service

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Name not supplied, South Australia, reviewed about 4 years ago

People's Choice Credit Union

People's Choice Credit Union Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Good service

Convenient, friendly, good service.

Full review

Convenient, friendly, good service.

    Price   9 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Maurice, South Australia, reviewed about 4 years ago

People's Choice Credit Union

People's Choice Credit Union Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

GREAT CUSTOMER SERVICE

They upgraded my loan twice in 2 yrs so am happy with them than any other bank

Full review

They upgraded my loan twice in 2 yrs so am happy with them than any other bank

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Monica, South Australia, reviewed about 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 243 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 522 home loans in the Mozo comparison engine.

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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.

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