People's Choice Credit Union Package Fixed Home Loan (Principal and Interest) 2 Years | Review & Compare Home Loans

Summary
Features & fees
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About

Advertised Rate

2.89%

Fixed - 2 years

Comparison Rate*

4.12%

Maximum LVR

95%

Real Time Rating™

3.32 / 5

Monthly Repayment

$1,039

Pros and Cons

Pros

No upfront fees
Suitable for low deposits
Parents can sign as guarantor
Repayments will not change during fixed period

Cons

Limited extra repayments
No redraw and no offset
Annual fee charged
Discharge fee at end of loan

People's Choice Credit Union Fees and Features

Maximum LVR 95%	Interest rate structure Fixed - 2 years
Borrowing range $100k - $100m Calculate how much you can borrow	Total Repayments $374,040 View repayment schedule »
Principal & interest	Interest only
Loan term range 1 - 30 years	Offset account No
Extra repayments Allowed with restrictions	Redraw facility
Allows split interest	Suitable For Owner Occupiers
Applicable States ACT, NSW, NT, QLD, SA, TAS, VIC, WA	Make Repayments Fortnightly, Monthly, Weekly
Estimated upfront fees $0	Application fee $0
Settlement fee $0	Valuation fee $0
Legal fee $0	Ongoing fee $395
Discharge fee $350	Property Type
SMSF Trustee	Minimum SMSF Amount
Aggregator

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Lower Rate

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Real Time Rating™

3.40 / 5

Advertised Rate

Comparison Rate*

2.79%

Fixed - 2 years

4.02%

Cashback

$2500 cashback for First Home Buyers

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UHomeLoan Fixed OO (Principal and Interest) 5 Years

Real Time Rating™

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Advertised Rate

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Fixed - 5 years

3.19%

No upfront or ongoing fees
Repayments will not change during fixed period

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Major Banks

Premier Package Fixed Options Home Loan (Principal and Interest) 2 Years (LVR < 70%)

Real Time Rating™

3.70 / 5

Advertised Rate

Comparison Rate*

2.88%

Fixed - 2 years

3.75%

No upfront fees
Parents can sign as guarantor
Extra repayments + redraw services
Free redraw facility

Generic

Rate Lovers Variable Home Loan (Principal and Interest) (LVR 70%-80%)

Real Time Rating™

4.42 / 5

Advertised Rate

Comparison Rate*

2.77%

Variable

2.79%

No upfront or ongoing fees
Extra repayments + redraw services
Free redraw facility
Repayments may decrease if RBA cuts rates

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People’s Choice Credit Union dates back to 1949 and is now one of Australia’s largest credit unions. The organisation was created through the merger of Australian Central and Savings & Loans in December 2009. 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 as well as financial advice.

People’s Choice Credit Union Home Loan Calculator
Interested in an People’s Choice Credit Union home loan? RateCity has a suite of calculators that can show you what your repayments would be and how People’s Choice Credit Union compares to its competitors. Simply plug in your borrowing amount below.

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