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To help you decide on the best loan for you, we've got a range of home loans to choose from and helpful advice to help you find the right one.
Owner Occupied Principal and Interest Home Loans
First Home Buyer Home Loan Package, fixed for 1 year.
- Certainty of fixed repayments
- Family guarantee option for first home buyers
- Flexible repayment frequency - pay weekly, fortnightly or monthly
- Loan terms of up to 40 years for eligible borrowers
Home Loan Package, fixed for 1 year.
- Certainty of fixed repayments
- Rate and fee discounts on your loan, and a wide range of products and services; all for one annual fee
- Flexible repayment frequency - pay weekly, fortnightly or monthly
Basic Variable Home Loan (<80%LVR).
- No application fee or ongoing fees
- Unlimited extra mortgage repayments to pay off your loan sooner
- Construction loan option available
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Or book in a video call and chat with one of our Home Loan Advisers from the comfort of your home.
We’ve got the tools for you, with our range Home Loan Calculators
Let’s help you with those sums! We have a range of financial calculators so you can ‘nut out’ the financial aspects of your loan.
Home Loan Borrowing and Repayment calculator
Home Loan Comparison calculator
You’re not expected to be an expert when it comes to home loans – that’s what we’re here for. But it’s always good to do some research.
How to refinance your home loan in 5 steps
For whichever reason you want or need to refinance your home loan, here’s how to do just that in five steps.
Variable vs Fixed rate: which is best for you
It’s important to consider both Variable rate and Fixed rate loans when deciding on which loan option is best for you.
Owner Occupied Principal & Interest First Home Buyer Home Loan Package, fixed for 1 year ^Minimum new borrowings $100,000. Rate offer for new applications submitted from 21 August 2020. Rate available for first home buyers only. After the fixed period, loan reverts to applicable Variable Home Loan Package. Current Variable Home Loan Package Principal and Interest rate for $100,000 is 3.66%p.a., comparison rate 4.06%p.a. Investment Loans are excluded from this offer.
Owner Occupied Principal & Interest Home Loan Package, fixed for 1 year #Minimum loan $100,000. Rate offer for new applications submitted from 21 August 2020. Investment Loans excluded from this offer.
Basic Variable Home Loan Owner Occupied Principal & Interest (<80% LVR) !Minimum loan $150,000. Rate current for new applications from 22 September 2020. Under this offer, a 1.44%p.a. discount is applied to the Basic Variable rate (currently 3.93%p.a.) for the life of the loan. No Offset Account allowed.
Fees and charges apply. Rates, discounts and offers subject to change without notice.*The comparison rate is based on a $150,000 loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
People's Choice Credit Union, 50 Flinders Street, Adelaide 5000, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL, Australian Credit Licence 244310.