Home Loan Package

Our Home Loan Package gives you more reasons to consolidate all your banking with People's Choice Credit Union.

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Not only does it offer a great deal for your home loan, it's loaded with other features and benefits available for other products you might need, such as an Everyday Account or our Visa Credit Card.1

Try our online calculators to work out how much you can afford to repay. You can also compare our loans side by side using our product selector to decide which features and benefits work best for you.

It's also important for you to look at our Credit Guide if you're thinking about applying for a loan to understand how we can best help you.

Produce and print a Key Facts Sheet for this home loan, or to get a loan or find out more, apply online, have a chat with us on 13 11 82 or visit any branch

Benefits, rates and fees

Features & benefits:

  • $0 upfront application and settlement fees.
  • $0 ongoing top up fees.
  • Rate discounts of up to 0.70%p.a.2 below the standard variable rate for the life of the loan.
  • Unlimited free redraws on variable package loans.
  • $0 annual fee on your People's Choice Credit Union Visa Debit and Visa Credit Card.
  • $0 application fee on any personal loan and overdraft.
  • $0 monthly fee on our Everyday Account, including unlimited People's Choice Credit Union transactions.
  • Bonus interest on selected term deposits (up to 12 month terms for balances $5,000 to $499,999)
  • Free Financial Planning consultation.
  • 1 free valuation each year when taking out a new loan or when topping up.

Other options:

  • Prefer the convenience of a Line of Credit? Discounts are also available on Line of Credit Package products.
  • Want the best of both worlds? Combine your loan so part of it is variable and part is a line of credit.
  • First home buyers can set up a family guarantee or may quality to pay off the loan over a 40 year term if required.
  • Building or renovating? This product can also be used for construction purposes.

1 To qualify for the Home Loan Package, you must have a minimum of $150,000 in a Home Loan Package or Package Line of Credit and direct your payroll to an People's Choice Credit Union account. Terms, conditions, fees, charges and lending criteria apply and are available on application.

2 0.70%p.a. discount off the standard variable rate for the life of the loan for loan amounts over $500,000, other discounts apply for lower loan amounts. Discounts are subject to verification of qualifying criteria and are only applicable on Home Loan Package, Investment Loan Package and Line of Credit Package products.

3 One free valuation each year (anniversary date) up to the value of $250 when taking our a new loan or when topping up.

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.