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People's Choice home loans
People’s Choice is a credit union that has been operating since 1949. Member-owned, its customers get a say in how the credit union is run. People’s Choice meets the same regulatory standards as banks and provides a wide range of financial products and services, including home loans, business accounts, and savings and investment products.
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Why choose People's Choice
People's Choice Home Loans
Loan amount
Minimum deposit
Loan type & Term
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9.41%
9.48%
$3,036
Australian Credit Licence 244310
Fees & charges apply
Standard Variable Loan
- Investor
- Variable
- 10% min deposit
- P&I
6.89%
7.25%
$2,449
Australian Credit Licence 244310
Fees & charges apply
Variable Loan Package
- Investor
- Variable
- 10% min deposit
- P&I
6.09%
6.10%
$2,274
Australian Credit Licence 244310
Fees & charges apply
New Business Offer - Basic Variable Loan
- Owner Occupied
- Variable
- 20% min deposit
- P&I
5.99%
6.00%
$2,253
Australian Credit Licence 244310
Fees & charges apply
New Business Offer - Basic Variable Loan
- Owner Occupied
- Variable
- 30% min deposit
- P&I
6.24%
6.25%
$2,307
Australian Credit Licence 244310
Fees & charges apply
New Business Offer - Basic Variable Loan
- Investor
- Variable
- 30% min deposit
- P&I
5.79%
6.33%
$2,210
Australian Credit Licence 244310
Fees & charges apply
Fixed Loan Package
- Owner Occupied
- Fixed 5 years
- 20% min deposit
- P&I
5.79%
6.35%
$2,210
Australian Credit Licence 244310
Fees & charges apply
Fixed Loan Package
- Owner Occupied
- Fixed 4 years
- 20% min deposit
- P&I
6.34%
6.35%
$2,328
Australian Credit Licence 244310
Fees & charges apply
New Business Offer - Basic Variable Loan
- Investor
- Variable
- 20% min deposit
- P&I
5.99%
6.36%
$2,253
Australian Credit Licence 244310
Fees & charges apply
Variable Loan Package
- Owner Occupied
- Variable
- 30% min deposit
- P&I
6.54%
6.37%
$1,908
Australian Credit Licence 244310
Fees & charges apply
New Business Offer - Basic Variable Loan
- Investor
- Variable
- 30% min deposit
- Interest Only
5.79%
6.38%
$2,210
Australian Credit Licence 244310
Fees & charges apply
Fixed Loan Package
- Owner Occupied
- Fixed 3 years
- 20% min deposit
- P&I
6.24%
6.43%
$2,307
Australian Credit Licence 244310
Fees & charges apply
Fixed Loan Package
- Owner Occupied
- Fixed 1 year
- 20% min deposit
- P&I
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
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at interest rate 5%
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Contact a mortgage broker
People's Choice homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.
Viet Nguyen
Get expert advice from a home loans specialist.
Been in the industry for over 10 years while working as a Mortgage Broker for over 3 years. I specialised in assisting c...
Matthew Herewini
Get expert advice from a home loans specialist.
Meet Matthew, a seasoned financial expert with a strong background in both mortgages and car loans. With 5 years of expe...
Faraz Haroon
Get expert advice from a home loans specialist.
I am always on the lookout for the best result for my clients. I dedicate my time to better understand my clients' goals...
People's Choice customer service
People’s Choice has branches in Adelaide, Melbourne and Darwin, as well as in regional locations in South Australia, Northern Territory and Victoria. Members can access their accounts and funds via ATMs, mobile banking and payment apps, internet banking and telephone banking facilities, as well as Bank@Post.
- Customer service centre (phone)
- Mobile banking and payment apps
- Online banking
- Online inquiries
- Branch network
- Mobile home lenders
How to Apply
To become a member of People’s Choice, you need to complete a membership application. You can visit one of their branches, call the national contact centre or visit a Bank@Post outlet. Membership is open to any resident of Australia. Documents you need to apply for a home loan include:
- Personal ID.
- Proof of income – whether you are self-employed or work for an employer.
- Proof of other income, including rental income.
- Information regarding existing debts, liabilities and assets.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.