People's Choice Credit Union Package Fixed Home Loan (Principal and Interest) 3 Years | Review & Compare Home Loans

Fixed Loan Package

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Interest Rate

4.84

% p.a

Fixed - 3 years

Comparison Rate*

3.86

% p.a

Maximum LVR

80%

Real Time Rating™

Monthly Repayment

$1,726

based on $300,000 loan amount for 25 years at 4.84%

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Summary
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Interest Rate

4.84

% p.a

Fixed - 3 years

Comparison Rate*

3.86

% p.a

Maximum LVR

80%

Real Time Rating™

Monthly Repayment

$1,726

based on $300,000 loan amount for 25 years at 4.84%

Calculate your repayments for this loan

Your estimated repayment

$1,726

based on $300,000 loan amount for 25 years at 4.84%

Here are some similar home loans that you may be interested in

TMD

Monthly Repayment

$1,942

based on $300,000 loan amount for 25 years at 6.05%

Interest Rate

6.05

% p.a

Fixed - 3 years

Comparison Rate*

3.65

% p.a

No ongoing fees
Extra repayments and redraw facility
Free redraw facility
Split account option

Real Time Rating™

More Features

Monthly Repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.56

% p.a

special

Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.

Real Time Rating™

More Features

Monthly Repayment

$1,423

based on $300,000 loan amount for 25 years at 3%

Interest Rate

2.60

% p.a

Intro 24 months

Comparison Rate*

2.96

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Quick home loan review

For Package Fixed Home Loan (Principal and Interest) 3 Years (LVR < 80%)

These are the benefits of this home loan.

No upfront fees
Parents can sign as guarantor
Split account option

These are the drawbacks of this home loan.

Limited extra repayments
No redraw and no offset
Loan reverts to higher rate after fixed period
Ongoing fee
Discharge fee at end of loan
No repayment holidays

Home loan overview

For Package Fixed Home Loan (Principal and Interest) 3 Years (LVR < 80%)

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 80%	Total Repayments $517,800 View repayment schedule »
Next LVR 4.99% for max LVR 95%	Interest rate type Fixed - 3 years
Borrowing range $100k - $2m Calculate how much you can borrow	Suitable for Owner Occupiers
Loan term range 1 - 30 years	Principal & interest
Interest only	Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make repayments Fortnightly, Monthly, Weekly

Features

Extra repayments Yes - limited to $10000	Offset account No
Redraw facility	Split interest facility
Loan portable	Repayment holiday available
Allow guarantors	Available for first home buyers

Fees

Total estimated upfront fees 0	Application fee 0
Legal fee $0	Valuation fee $0
Settlement fee 0	Other upfront fee 0
Ongoing fee $395 annually	Discharge fee 350

Application method

Online Compare	Phone
Broker Talk to an expert	In branch

Available

Not available

Data not captured

Target Market Determination

Visit People's Choice to view Target Market Determination.

Checkout more home loans

Interest Rate

6.05

% p.a

Fixed - 3 years

Comparison Rate*

3.65

% p.a

No ongoing fees
Extra repayments and redraw facility
Free redraw facility
Split account option

Real Time Rating™

Interest Rate

4.84

% p.a

Fixed - 3 years

Comparison Rate*

3.00

% p.a

No ongoing fees
Split account option

Real Time Rating™

Interest Rate

6.39

% p.a

Fixed - 3 years

Comparison Rate*

5.50

% p.a

Suitable for low deposits
Parents can sign as guarantor
Split account option

Real Time Rating™

Interest Rate

4.85

% p.a

Fixed - 3 years

Comparison Rate*

3.82

% p.a

No ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

Product data updated on 1 Jul 2022

FAQs

The range you can borrow from this loan is $100k to $2,000,000.

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

People's Choice allows you to have this loan for a range of 1 to 30 years.

People's Choice allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $0 worth of upfront fees.

No, this loan doesn't come with a redraw facility.

To apply for this loan, please contact People's Choice.

Yes, this People's Choice loan is available through a broker. Find a broker to help you with your needs.

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