People's Choice home loans

4.0
Based on 188 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. 

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 427 home loans using the filters.
Last updated 21 December 2024 Important disclosures and comparison rate warning*
What are your home loan needs?

Your loan-to-value ratio (LVR): 50%

Loan amount and LVR will affect interest rates.

  • First Home Buyer Fixed Rate Loan

    • <80% LVR
    • Principal & Interest
    Interest rate
    5.59 % p.a.
    Fixed 3 years
    Comparison rate
    6.25 % p.a.
    Initial monthly repayment
    $2,867
    No Partner link

  • Fixed Rate Home Loan

    • LVR <80%
    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.69 % p.a.
    Fixed 3 years
    Comparison rate
    6.27 % p.a.
    Initial monthly repayment
    $2,899
    No Partner link

  • Fixed Rate Home Loan

    • LVR <80%
    • Investment
    • Principal & Interest
    Interest rate
    5.89 % p.a.
    Fixed 3 years
    Comparison rate
    6.50 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link

  • Fixed Rate Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.89 % p.a.
    Fixed 3 years
    Comparison rate
    8.03 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link

  • Fixed Rate Home Loan

    • Investment
    • Principal & Interest
    Interest rate
    6.09 % p.a.
    Fixed 3 years
    Comparison rate
    8.53 % p.a.
    Initial monthly repayment
    $3,027
    No Partner link

  • Basic Variable Home Loan

    • LVR<70%
    • Owner Occupier
    • Principal and Interest
    • >$150k
    Interest rate
    5.89 % p.a.
    Variable
    Comparison rate
    5.90 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link

  • Variable Home Loan

    • LVR<70%
    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.89 % p.a.
    Variable
    Comparison rate
    6.26 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link

  • Basic Variable Home Loan

    • LVR<70%
    • Investment
    • Principal and Interest
    • >$150k
    Interest rate
    6.14 % p.a.
    Variable
    Comparison rate
    6.15 % p.a.
    Initial monthly repayment
    $3,043
    No Partner link

  • Variable Home Loan

    • LVR<70%
    • Investment
    • Principal & Interest
    Interest rate
    6.14 % p.a.
    Variable
    Comparison rate
    6.51 % p.a.
    Initial monthly repayment
    $3,043
    No Partner link

  • Basic Variable Home Loan

    • LVR <80%
    • Investment
    • Principal & Interest
    Interest rate
    8.58 % p.a.
    Variable
    Comparison rate
    8.58 % p.a.
    Initial monthly repayment
    $3,873
    No Partner link

  • 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
    No Partner link

  • 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
    No Partner link

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People's Choice home loan ratings

Overall customer rating for People's Choice home loans

4.0
Based on 188 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

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.