Our Fixed Home & Investment Loan Packages are a great choice to help you plan your budget while saving you extra money with rate and fee discounts on your loan, and on a wide range of products and services; all for one annual fee.
There are no restrictions to the number of loans you can combine on a package, so if you’re considering investment properties, the one annual fee covers both your home and investment loans.
Our Home & Investment Loan Packages are available for total loan amounts above $100,000 when you have your pay deposited into a People’s Choice account.
- Lock in a competitive Fixed interest rate for between one to five years
- Loan terms up to 30 years (or up to 40 years for first home buyers)
- Make extra repayments up to $10,000 a year – reduce your loan term and save money1
- Flexible repayment frequency - pay weekly, fortnightly or monthly2
- Interest Only repayment option - reduce your loan repayments by paying only the interest due monthly3
- Split-loan interest rate option - get the benefits of a part fixed and part variable interest rate loan4
- Rate-lock facility - guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds5
- Family guarantee for first home buyers6
- Interest rate and fee discounts on your loan, plus discounts on other products and services:
- $0 Application Fee - save $600
- $0 Top-Up Fee - save $400 per top-up; ideal if you’re planning on renovating, investing, buying a car or going on a holiday
- $0 Settlement Fee - save $150
- $0 Monthly Fee - save $96 per year7 for each loan
- Free valuation8
- Free loan reviews to ensure your home loan is the ‘best fit’ through all stages of your life
- $0 Visa Credit Card Annual Fee - save $59
- $0 Personal Loan Application Fee - save $250
- $0 Monthly Fee on Everyday account and Zip account9 – save up to $6.50 per month ($78 per year)
- Free, no obligation Financial Planning appointment with one of our qualified Financial Planners