Home, Investment and Line of Credit Loans

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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. These rates are current as at 18 May 2012.

Home Loans - Residential & Investment
Variable Rate Home Loans Rate Comparison Rate
Home & Construction Basic Variable Rate 6.40% p.a. 6.54% p.a.
Green Discount Rate 6.28% p.a.^ 6.33% p.a.^
Home Loan Package*  $150,000 to $249,999 6.48% p.a. 6.81% p.a.
  $250,000 to $499,999 6.38% p.a. 6.71% p.a.
  $500,000 plus 6.28% p.a. 6.61% p.a.
Home, Construction, Bridging & Low Doc Standard Variable Rate 6.98% p.a. 7.04% p.a.
Fixed Rate Home Loans   Rate Comparison Rate
Home, Construction & Low Doc 1 year Fixed 6.09% p.a. 7.03% p.a.
  2 year Fixed 6.09% p.a. 6.94% p.a
  3 year Fixed 5.99% p.a. 6.83% p.a.
  4 year Fixed 6.79% p.a. 7.05% p.a.
  5 year Fixed 6.89% p.a. 7.08% p.a
Secured Line of Credit
    Rate Comparison Rate
Line of Credit   7.08% p.a. n/a
Line of Credit Package*  $150,000 to $249,999 6.58% p.a. n/a
  $250,000 to $499,999 6.48% p.a. n/a

^ Not available on Interest Only loans
* Rates determined by total Home Lending Balance
Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years.

 

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. These rates are current as at 11 May 2012.

Home Loans - Residential & Investment
Variable Rate Home Loans Rate Comparison Rate
Basic Variable Rate (LVR* less than or equal to 90%) 6.21% p.a. 6.26% p.a.
Basic Variable Rate (LVR* greater than 90% to 95%) 6.36% p.a. 6.42% p.a.
Basic Variable Rate (LVR* <75%, loan amount >$200K) 6.11% p.a  6.16% p.a.
Fixed Rate Home Loans - LVR* less than or equal to 90% Rate Comparison Rate
1 Year Fixed 6.06% p.a 6.54% p.a.
2 Year Fixed 6.21% p.a. 6.52%p.a.
3 Year Fixed 6.41%p.a. 6.55%p.a.
4 Year Fixed 6.84%p.a. 6.70%p.a.
5 Year Fixed 6.87%p.a. 6.74%p.a.
Fixed Rate Home Loans - LVR* greater than 90% to 95% Rate Comparison Rate
1 Year Fixed 6.21%p.a. 6.69%p.a.
2 Year Fixed 6.36%p.a. 6.67%p.a.
3 Year Fixed 6.56%p.a. 6.70%p.a.
4 Year Fixed 6.99%p.a. 6.85%p.a.
5 Year Fixed 7.02%p.a. 6.89%p.a.

 * LVR - Loan to Valuation Ratio

Home Loans - Low Doc
Variable Rate Home Loans Rate Comparison Rate
Low Doc Variable 6.98% p.a. 7.04% p.a.
Line of Credit Low Doc 7.08% p.a. N/A
Fixed Rate Home Loans - LVR* less than 60% Rate Comparison Rate
1 Year Fixed 6.26% p.a 7.25% p.a.
2 Year Fixed 6.41% p.a. 7.18%p.a.
3 Year Fixed 6.61%p.a. 7.15%p.a.
4 Year Fixed 7.04%p.a. 7.26%p.a.
5 Year Fixed 7.07%p.a. 7.25%p.a.
Fixed Rate Home Loans - LVR* greater than 60% to 80% Rate Comparison Rate
1 Year Fixed 6.46%p.a. 7.27%p.a.
2 Year Fixed 6.61%p.a. 7.22%p.a.
3 Year Fixed 6.81%p.a. 7.21%p.a.
4 Year Fixed 7.24%p.a. 7.34%p.a.
5 Year Fixed 7.27%p.a. 7.34%p.a.

 * LVR - Loan to Valuation Ratio

Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years.

If you would like further information about any of these products contact us on 13 11 82 or visit your nearest branch.
 

Full details of the relevant Terms & Conditions are available on application. Terms, conditions, fees, charges and lending criteria apply and are available on application.  You should consider our Product Disclosure Statements and other Disclosure Documents. This information and advice is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

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Copyright © 2012 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