With our Line of Credit Package you could reduce your interest repayments, allowing you to pay off your home or investment loan sooner. You will also receive interest rate and fee discounts on your loan, and on a wide range of products and services; all for just 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 Loan Packages are available for total loan amounts above $100,000 when you have your pay deposited into a People’s Choice account.
- Competitive Variable interest rate
- Loan terms up to 30 years available
- Flexibility to withdraw funds as you need – so long as you stay within your agreed credit limit
- No minimum monthly repayments – so long as you stay within your agreed credit limit
- Interest Only repayments - reduce your loan repayments by paying only the interest due monthly1
- Combines your mortgage and transaction account into one, flexible account
- With $0 Annual card fee, use your Visa Credit card to give you up to 62 days interest free, maximising the time your money is in your Line of Credit account reducing your mortgage’s interest2
- 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 year3 for each loan
- Free valuation4
- 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 account5– save up to $6.50 per month ($78 per year)
- Free, no obligation Financial Planning appointment with one of our qualified Financial Planners