Home, Investment and Line of Credit Loans

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You can find the rates for each of our range of Home Loans below:

Home Loans - Residential & Investment

Current as at 14 June 2013.

Special Limited New Business Offer - Available to 30 June 20131
  Rate Comparison Rate
Variable Home Loan Package2
$250,000 to $499,999 5.37% p.a. 5.72% p.a.
$500,000 + 5.27% p.a. 5.62% p.a.
Fixed Home Loan Package
3 Year Fixed Package 4.94% p.a. 5.78% p.a.

1 Rate offer is available for new applications submitted from 29 April 2013 to 30 June 2013 and is subject to change at any time. Members with an existing home loan must increase their borrowings by at least $100,000 to qualify for the special rate offer.

2 Rate determined by total balance of People's Choice Home Lending products.

 

Home, Investment  and Line of Credit Loans (People's Choice range)

Our current rates are listed below to assist you in choosing a loan option that’s right for you.

Current as at 24 May 2013.

Home Loans - Residential & Investment
  Rate Comparison Rate
Home, Construction & Bridging Variable Rate Home Loans
Standard Variable 6.12% p.a. 6.17% p.a.
Home & Construction
Green Home Discount 5.42% p.a.^ 5.47% p.a.^
Basic Variable 5.54% p.a. 5.68% p.a.
Fixed Rate Home Loans — Home & Construction
1 Year Fixed 5.29% p.a. 6.18% p.a.
2 Year Fixed 5.29% p.a. 6.10% p.a.
3 Year Fixed 5.14% p.a. 5.99% p.a.
4 Year Fixed 5.64% p.a. 6.09% p.a.
5 Year Fixed 5.69% p.a. 6.07% p.a.
Variable Home Loan Package1
$150,000 to $249,999 5.62% p.a. 5.96% p.a.
$250,000 to $499,999 5.52% p.a. 5.87% p.a.
$500,000 + 5.42% p.a. 5.77% p.a.
Fixed Home Loan Package
1 Year Fixed Package 5.14% p.a. 5.92% p.a.
2 Year Fixed Package 5.14% p.a. 5.87% p.a.
3 Year Fixed Package 4.99% p.a. 5.79% p.a.
4 Year Fixed Package 5.49% p.a. 5.92% p.a.
5 Year Fixed Package 5.54% p.a. 5.93% p.a.
Line of Credit
Line of Credit 6.22% p.a. N/A
Line of Credit Package1
$150,000 to $249,999 5.72% p.a. N/A
$250,000 to $499,999 5.62% p.a. N/A

Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years.
1Rate determined by total Home Lending Balance

 
 

Home, Investment and Line of Credit Loans (Lite range)

Our current rates are listed below to assist you in choosing a loan option that’s right for you.

Current as at 19 June 2013.

Home Loans - Residential & Investment
Variable Rate Home Loans Rate Comparison Rate
Basic Variable Rate (LVR* less than or equal to 90%) 5.35%p.a. 5.40%p.a.
Basic Variable Rate (LVR* greater than 90% to 95%) 5.50%p.a. 5.55%p.a.
Basic Variable Rate (LVR* <75%, loan amount >$200K) 5.25% p.a  5.30%p.a.
Fixed Rate Home Loans   Rate Comparison Rate
LVR* less than 75% with a loan amount >$200k 1 Year Fixed 4.82%p.a. 5.26%p.a.
2 Year Fixed 4.97%p.a. 5.25%p.a.
3 Year Fixed 4.97%p.a. 5.23%p.a.
4 Year Fixed 5.34%p.a. 5.33%p.a.
5 Year Fixed 5.40%p.a. 5.37%p.a.
LVR* less than or equal to 90% 1 Year Fixed 4.92%p.a. 5.36%p.a.
2 Year Fixed 5.07%p.a. 5.35%p.a.
3 Year Fixed 5.07%p.a. 5.33%p.a.
4 Year Fixed 5.44%p.a. 5.43%p.a.
5 Year Fixed 5.50%p.a. 5.47%p.a.
LVR* greater than 90% to 95% 1 Year Fixed 5.07%p.a. 5.51%p.a.
2 Year Fixed 5.22%p.a. 5.50%p.a.
3 Year Fixed 5.22%p.a. 5.48%p.a.
4 Year Fixed 5.59%p.a. 5.58%p.a.
5 Year Fixed 5.65%p.a. 5.62%p.a.
Fixed Rate Home Loans with Variable Loan Split^ Rate Comparison Rate
LVR* less than 75% with a loan amount >$200k 1 Year Fixed 4.67%p.a. 5.25%p.a.
2 Year Fixed 4.82%p.a. 5.22%p.a.
3 Year Fixed 4.82%p.a. 5.18%p.a.
4 Year Fixed 5.19%p.a. 5.28%p.a.
5 Year Fixed 5.25%p.a. 5.30%p.a.
LVR* less than or equal to 90% 1 Year Fixed 4.77%p.a. 5.35%p.a.
2 Year Fixed 4.92%p.a. 5.32%p.a.
3 Year Fixed 4.92%p.a. 5.28%p.a.
4 Year Fixed 5.29%p.a. 5.38%p.a.
5 Year Fixed 5.35%p.a. 5.40%p.a.
LVR* greater than 90% to 95% 1 Year Fixed 4.92%p.a. 5.50%p.a.
2 Year Fixed 5.07%p.a. 5.47%p.a.
3 Year Fixed 5.07%p.a. 5.43%p.a.
4 Year Fixed 5.44%p.a. 5.53%p.a.
5 Year Fixed 5.50%p.a. 5.55%p.a.

Comparision rates are based on a loan of $150,000 wih monthly repayments over a term of 25 years.
*LVR = Loan to Valuation Ratio
^Loans must be set up as a split facility to qualify for discount
 

Home Loans - Low Doc
Variable Rate Home Loans Rate Comparison Rate
Low Doc Variable 6.12%p.a. 6.17%p.a.
Line of Credit Low Doc 6.22%p.a. N/A
Fixed Rate Home Loans   Rate Comparison Rate
LVR* less than 60% 1 Year Fixed 5.12% p.a 6.07%p.a.
2 Year Fixed 5.27%p.a. 6.01%p.a.
3 Year Fixed 5.27%p.a. 5.94%p.a.
4 Year Fixed 5.64%p.a. 6.00%p.a.
5 Year Fixed 5.70%p.a. 5.99%p.a.
LVR* greater than 60% to 80% 1 Year Fixed 5.32%p.a. 6.09%p.a.
2 Year Fixed 5.47%p.a. 6.05%p.a.
3 Year Fixed 5.47%p.a. 5.99%p.a.
4 Year Fixed 5.84%p.a. 6.07%p.a.
5 Year Fixed 5.90%p.a. 6.08%p.a.

Comparision rates are based on a loan of $150,000 wih monthly repayments over a term of 25 years
*LVR = Loan to Valuation Ratio
 

People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd (ABN 11 087 651 125) acts under its Australian Credit Licence (ACL 244310) as a Credit Assistance Provider for People’s Choice Lite Loans. Perpetual Trustees Victoria Limited (ABN 47 004 027 258) is the Credit Provider for People’s Choice Lite loans and acts under its Australian Credit Licence and under an arrangement with Advantedge Financial Services Pty Ltd (ABN 36 130 012 930).
 

Home, Investment and Line of Credit Loans (Lite Saver range)

Our current rates are listed below to assist you in choosing a loan option that’s right for you.

Current as at 19 June 2013.

Home Loans - Residential & Investment
Variable Rate Home Loans Rate Comparison Rate
Basic Variable Rate (LVR* less than or equal to 90%) 5.25%p.a. 5.60%p.a.
Basic Variable Rate (LVR* greater than 90% to 95%) 5.40%p.a. 5.75%p.a.
Basic Variable Rate (LVR* <75%, loan amount >$200K) 5.15% p.a  5.50%p.a.
Fixed Rate Home Loans   Rate Comparison Rate
LVR* less than 75% with a loan amount >$200k 1 Year Fixed 4.72%p.a. 5.46%p.a.
2 Year Fixed 4.87%p.a. 5.45%p.a.
3 Year Fixed 4.87%p.a. 5.43%p.a.
4 Year Fixed 5.24%p.a. 5.54%p.a.
5 Year Fixed 5.30%p.a. 5.57%p.a.
LVR* less than or equal to 90% 1 Year Fixed 4.82%p.a. 5.56%p.a.
2 Year Fixed 4.97%p.a. 5.55%p.a.
3 Year Fixed 4.97%p.a. 5.53%p.a.
4 Year Fixed 5.34%p.a. 5.64%p.a.
5 Year Fixed 5.40%p.a. 5.67%p.a.
LVR* greater than 90% to 95% 1 Year Fixed 4.97%p.a. 5.71%p.a.
2 Year Fixed 5.12%p.a. 5.70%p.a.
3 Year Fixed 5.12%p.a. 5.67%p.a.
4 Year Fixed 5.49%p.a. 5.78%p.a.
5 Year Fixed 5.55%p.a. 5.82%p.a.
Fixed Rate Home Loans with Variable Loan Split^ Rate Comparison Rate
LVR* less than 75% with a loan amount >$200k 1 Year Fixed 4.57%p.a. 5.45%p.a.
2 Year Fixed 4.72%p.a. 5.42%p.a.
3 Year Fixed 4.72%p.a. 5.39%p.a.
4 Year Fixed 5.09%p.a. 5.48%p.a.
5 Year Fixed 5.15%p.a. 5.50%p.a.
LVR* less than or equal to 90% 1 Year Fixed 4.67%p.a. 5.55%p.a.
2 Year Fixed 4.82%p.a. 5.52%p.a.
3 Year Fixed 4.82%p.a. 5.49%p.a.
4 Year Fixed 5.19%p.a. 5.58%p.a.
5 Year Fixed 5.25%p.a. 5.60%p.a.
LVR* greater than 90% to 95% 1 Year Fixed 4.82%p.a. 5.69%p.a.
2 Year Fixed 4.97%p.a. 5.67%p.a.
3 Year Fixed 4.97%p.a. 5.65%p.a.
4 Year Fixed 5.34%p.a. 5.73%p.a.
5 Year Fixed 5.40%p.a. 5.75%p.a.

Comparision rates are based on a loan of $150,000 wih monthly repayments over a term of 25 years.
*LVR = Loan to Valuation Ratio
^Loans must be set up as a split facility to qualify for discount
 

Home Loans - Low Doc
Variable Rate Home Loans Rate Comparison Rate
Low Doc Variable 6.02%p.a. 6.36%p.a.
Line of Credit Low Doc 6.12%p.a. N/A
Fixed Rate Home Loans   Rate Comparison Rate
LVR* less than 60% 1 Year Fixed 5.02% p.a 6.26%p.a.
2 Year Fixed 5.17%p.a. 6.20%p.a.
3 Year Fixed 5.17%p.a. 6.13%p.a.
4 Year Fixed 5.54%p.a. 6.19%p.a.
5 Year Fixed 5.60%p.a. 6.18%p.a.
LVR* greater than 60% to 80% 1 Year Fixed 5.22%p.a. 6.28%p.a.
2 Year Fixed 5.37%p.a. 6.24%p.a.
3 Year Fixed 5.37%p.a. 6.18%p.a.
4 Year Fixed 5.74%p.a. 6.26%p.a.
5 Year Fixed 5.80%p.a. 6.27%p.a.

Comparision rates are based on a loan of $150,000 wih monthly repayments over a term of 25 years
*LVR = Loan to Valuation Ratio
 

People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd (ABN 11 087 651 125) acts under its Australian Credit Licence (ACL 244310) as a Credit Assistance Provider for People’s Choice Lite Loans. Perpetual Trustees Victoria Limited (ABN 47 004 027 258) is the Credit Provider for People’s Choice Lite loans and acts under its Australian Credit Licence and under an arrangement with Advantedge Financial Services Pty Ltd (ABN 36 130 012 930).
 

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Terms, conditions, fees, charges and lending criteria apply and are available on application.       WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.       WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.This information and advice is provided without reference to your personal circumstances so you should consider our Product Disclosure Documents and whether this product fits your objectives, financial situation and needs.

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Copyright © 2013 People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd
ABN 11 087 651 125    Australian Financial Services Licence (244310) and Australian Credit Licence (244310)    BSB 805-050