As it’s your first time in the housing market it doesn’t hurt to get a bit of help. By asking your parents or guardians to act as guarantor - you may be able to borrow up to 100% of the purchase price of your first home, just so long as you’re living in it. We also know that when you’re starting out, money can be a little tight. So if you can’t afford the repayments over 30 years, we also offer a 40 year term, which will help to lower your repayments. Plus speak to us about our 95% LVR (Loan to Valuation Ratio) and how you could own your own home from $370* per week.
Register for our upcoming First Home Buyer Seminars.
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.
This loan gives you peace of mind with set repayment amounts over the fixed rate period, and no fees for making extra repayments of up to $10,000 each year. Find out more
This loan gives you room to move. If you want to pay off your loan sooner you can make as many extra payments as you want without any penalty fees. Find out more
For anyone who is self-employed, this loan will get you into your new home without having to complete lots of paperwork to get your loan approved. Find out more
Make your banking easy. Put all of your funds into one account and use your savings to help pay off your loan sooner. Find out more
This package has all of your banking needs covered. Not only does it offer a great deal for your home loan, it's loaded with other features and benefits on other products you might need. Find out more
Make sure you have home & contents insurance to protect your home and the belongings inside. We cover you for the most common types of claims, as well as flood damage whether it's flooding from a river or storm water. We also offer extra options you can add on or leave out to make sure you're only paying for the cover you need. Find out more
Terms, conditions, fees and charges and lending criteria apply and are available on application.
* Repayment amount of $370 per week is based on a loan amount of $250,000 on our current basic variable home loan rate of 6.62% per annum over a 30 year term. The comparison rate is 6.76% per annum. Information is correct at 10/01/2012 and is subject to change without notice. The comparison rate is only accurate for a secured loan of $150,000 for a term of 25 years. WARNING: This rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
You should consider our 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.
Insurance issued by CGU:
Insurance products are issued by CGU Insurance Ltd ABN 27 004 478 371 AFSL 238291 (CGU). This information must be read in conjunction with the Product Disclosure Statement (PDS) which set out the full details of cover plus explanations and any applicable limits and exclusions. The PDS for this product is available on request from any People's Choice Credit Union branch or CGU. You should consider the PDS in deciding whether to buy or hold the product.
All our insurance issuers pay commission at rates which range from 0% - 30% of the base premium. The commission rate varies depending on the type of insurance.