BSB 805 050

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BSB 805 050

Choose a Home Loan product that fits you

Whether you're buying your first home, renovating, building, refinancing or getting started with savings, we're here to help guide you every step of the way.

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

Home Loan Package, fixed for 3 years (<80% LVR).

  • 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

We're here to chat if you need us, even remotely.


Apply online  Find a branch  Get in touch  

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

 Savings calculator

 Home Loan Comparison calculator

 Stamp Duty 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.

Real First Home Buyer Advice

10 tips for first home buyers from current home owners.

Learn more

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. 

Learn more

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.

Learn more

Owner Occupied Principal & Interest Home Loan Package, fixed for 3 years (<80% LVR) #Minimum loan $100,000. Rate current for new applications from 23 March 2021. After the fixed period, loan reverts to applicable Variable Home Loan Package Principal and Interest rate at the time, determined by total home package lending balance. Investment Loans are 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 (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 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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