People's Choice Credit Union Package Fixed Home Loan (Principal and Interest) 4 Years (LVR 80%-90%) | Review & Compare Home Loans

Fixed Loan Package

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Interest Rate

3.54

% p.a

Fixed - 4 years

Comparison Rate*

3.18

% p.a

Maximum LVR

95%

Real Time Rating™

Monthly Repayment

$1,508

based on $300,000 loan amount for 25 years at 3.54%

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Summary
Features & fees
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Interest Rate

3.54

% p.a

Fixed - 4 years

Comparison Rate*

3.18

% p.a

Maximum LVR

95%

Real Time Rating™

Monthly Repayment

$1,508

based on $300,000 loan amount for 25 years at 3.54%

Calculate your repayments for this loan

Your estimated repayment

$1,508

based on $300,000 loan amount for 25 years at 3.54%

Based on your details, you can compare and save on the following home loans

TMD

Monthly Repayment

$1,119

based on $300,000 loan amount for 25 years at 2.07%

Interest Rate

2.07

% p.a

Fixed - 2 years

Comparison Rate*

2.65

% p.a

Interest rates ranked in the best 20%
Extra repayments and redraw facility
Free redraw facility
Split account option

Real Time Rating™

More Features

Monthly Repayment

$1,147

based on $300,000 loan amount for 25 years at 1.85%

Interest Rate

1.85

% p.a

Intro 24 months

Comparison Rate*

2.21

% 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

Monthly Repayment

$1,092

based on $300,000 loan amount for 25 years at 1.89%

Interest Rate

1.89

% p.a

Variable

Comparison Rate*

1.89

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

More Features

Quick home loan review

For Package Fixed Home Loan (Principal and Interest) 4 Years (LVR 80%-95%)

These are the benefits of this home loan.

No upfront fees
Suitable for low deposits
Parents can sign as guarantor
Split account option

These are the drawbacks of this home loan.

Limited extra repayments
No redraw and no offset
Higher than average interest rate
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) 4 Years (LVR 80%-95%)

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 95%	Total Repayments $452,400 View repayment schedule »
Next LVR	Interest rate type Fixed - 4 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

Specials

Cashback Get $3,000 cashback when you refinance your home loan over $500,000.
Refinance applications for a home or investment loan submitted before 31st January 2022.

Target Market Determination

Visit People's Choice to view Target Market Determination.

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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 95 percent, which means it requires a minimum deposit of 5 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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