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

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Jan, South Australia, reviewed 9 months 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

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Darryl, South Australia, reviewed 11 months 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 over 1 year 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 almost 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

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Wendy, South Australia, reviewed about 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 about 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

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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

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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 over 3 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 over 3 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 over 3 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

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Brooke, Western Australia, reviewed over 3 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

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Name not supplied, South Australia, reviewed over 3 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

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Maurice, South Australia, reviewed over 3 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

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Monica, South Australia, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   10 / 10

awesome, low interest rate, internet banking great

its for the people

Full review

its for the people

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Bevan, 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

Very competitive and great to deal with

They are just so great to deal with if you have any queries and so freindly

Full review

They are just so great to deal with if you have any queries and so freindly

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Helen, South Australia, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

Terrific and reliable rewards program

Every time I need anything they are there with the answers and I have never had to wait around for anything. They are really helpful when it comes to giving you the right options and recommending the best one for you. They also have a great...

Full review

Every time I need anything they are there with the answers and I have never had to wait around for anything. They are really helpful when it comes to giving you the right options and recommending the best one for you. They also have a great rewards program which has so far managed to send my daughter to Europe twice :)

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Teena, Northern Territory, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

Great customer service that goes above their duty

Great service with excellent advice to excel your banking service. Been with the same bank since 1989. Absolutely satisfied with the service and product provided for my family for 25 years.

Full review

Great service with excellent advice to excel your banking service. Been with the same bank since 1989. Absolutely satisfied with the service and product provided for my family for 25 years.

    Price   7 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Stacie, Northern Territory, reviewed almost 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

Recommend

Great bank great service

Full review

Great bank great service

    Price   6 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Jamie, , reviewed about 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

Fantastic customer service

Happy, helpful staff who have the time to talk to you. Nothing is too much trouble. Helpful guidance and advice.

Full review

Happy, helpful staff who have the time to talk to you. Nothing is too much trouble. Helpful guidance and advice.

    Price   7 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Sue, South Australia, reviewed about 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   6 / 10

Easy

The signing up for load was an easy process

Full review

The signing up for load was an easy process

    Price   7 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Ric, Northern Territory, reviewed about 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   8 / 10

Easy

Hassle free and fully supported. People's Choice can have it all sorted.

Full review

Hassle free and fully supported. People's Choice can have it all sorted.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Michelle, South Australia, reviewed about 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   8 / 10

Welcoming bank for people from all walks of life

PCCU isn't your typical boring bank. As soon as you walk through the doors you feel the casual, friendly vibe. There is always someone waiting at the door to answer your queries or direct you where to go. Opening hours are brilliant opening at 9am...

Full review

PCCU isn't your typical boring bank. As soon as you walk through the doors you feel the casual, friendly vibe. There is always someone waiting at the door to answer your queries or direct you where to go. Opening hours are brilliant opening at 9am weekdays and open Saturday mornings. We have often had contact with various staff members out of hours and it's never a hassle. Home loan rates are competitive and easy to understand. The construction loan was simple and stress free, exactly what you need when building your new home!

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Justine, South Australia, reviewed about 4 years ago

People's Choice Credit Union

People's Choice Credit Union home loan review

Overall rating   9 / 10

You talk to real people who know what it's about

Been a customer for over 30 years even when it was called saving & loans. Staff in branches VERY helpful and professional. Plenty of ATMs and branches. I do a lot on the internet site which is very easy and clear to use because at my age (68),...

Full review

Been a customer for over 30 years even when it was called saving & loans. Staff in branches VERY helpful and professional. Plenty of ATMs and branches. I do a lot on the internet site which is very easy and clear to use because at my age (68), computer skills are not the best.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Julio, South Australia, reviewed about 4 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

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

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

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • 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 to new borrowings to HSBC of $50,000 or more
    • 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

  • Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • 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: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    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.

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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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