BSB 805 050

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BSB 805 050

Our fixed rate for first home buyers

We've been named CANSTAR's 2020 First Home Buyer Customer Owned Institution of the Year in Vic, SA, and NT!

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Ask us anything and we’ll be in touch within two working days to help you on your home loan journey.

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At People's Choice, we've helped generations of Australians own their first home. Even in a property market that's a little tougher, we believe that as a first home buyer, you should have your cake and eat it, too.

To make owning your first home an enjoyable journey, our First Home Buyer Home Loan Package with a low annual fee of $395 can help you save money, not just on your home loan, but on a wide range of products and services.


Benefits of our First Home Buyer Home Loan Package

    • Discounted rate - save thousands of dollars over the life of the loan
    • $0 Application Fee - save $600
    • Your choice of loans; fixed, variable or line of credit -  with split loan options available
    • Unlimited loans in the one package - perfect if you're planning on investing in property in the future
    • Mobile Home Loan Advisers for your convenience
    • Plus discounts on a range of other products and services


Still lost in the jungle of first home buyer jargon? 
Download our FREE First Home Buyer Dictionary to make sense of it all today!

Approved lender of the Australian Government’s First Home Loan Deposit Scheme - Click here to find out if you’re eligible.


Terms, conditions, fees, charges and lending criteria apply and are available on application. To be eligible for a Home Loan Package, you must have minimum borrowings of $100,000.

*The comparison rate is current as at 21 August 2020 and is subject to change without notice. Home Loan Rate available for first home buyers only (each borrower on the loan must have never previously owned a residential property (either separately or jointly with another person)). Investment Loans are excluded from this offer. After the fixed period, loan reverts to applicable Variable Home Loan Package rate at the time, determined by total home lending balance. Current Variable Home Loan Package Principal and Interest rate for $100,000 is 3.66%p.a., comparison rate 4.06%p.a. 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.

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