BSB 805 050

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BSB 805 050

Home Loan Package Rates

Current as at 18 October 2019

New Business Offer - Variable Home Loan Package

Product Name Tier Discount to the Standard Variable Rate Principal & Interest Rate with Package Discount Principal & Interest Comparison Rate Interest Only Rate with Package Discount Interest Only Comparison Rate
Variable Home Loan Package <90% LVR~a $100,000 - $1,500,000 1.27% p.a. 3.49% p.a. 3.90% p.a. n/a n/a

Variable Home Loan Package

Product Name Tier Discount to the Standard Variable Rate Principal & Interest Rate with Package Discount Principal & Interest Comparison Rate Interest Only Rate with Package Discount Interest Only Comparison Rate
Variable Home Loan Package~ $100,000 - $1,500,000 0.85% p.a. 3.91% p.a. 4.31% p.a. 4.46% p.a. 4.84% p.a.

First Home Buyer Offer – Fixed Home Loan Package

Product Name Tier Principal & Interest Rate Principal & Interest Comparison Rate Interest Only Rate Interest Only Comparison Rate
3 Year Fixed Home Loan Package (First Home Buyer)c $100,000 - $1,500,000 2.89% p.a. 4.04% p.a. 3.74% p.a. 4.65% p.a.

Fixed Home Loan Package

Product Name Term Principal & Interest Rate Principal & Interest Comparison Rate Interest Only Rate Interest Only Comparison Rate
Fixed Home Loan Package 1 year 2.89% p.a. 4.21% p.a. 3.74% p.a. 4.78% p.a.
Fixed Home Loan Package 2 years 2.89% p.a. 4.12% p.a. 3.74% p.a. 4.71% p.a.
Fixed Home Loan Package 3 years 2.99% p.a. 4.07% p.a. 3.84% p.a. 4.68% p.a.
Fixed Home Loan Package 4 years 3.44% p.a. 4.15% p.a. 4.04% p.a. 4.70% p.a.
Fixed Home Loan Package 5 years 3.44% p.a. 4.12% p.a. 4.14% p.a. 4.71% p.a.

Line of Credit Package

Product Name Tier Discount to the Line of Credit Rate Line of Credit Rate with Package Discount Comparison Rate
Line of Credit Package~ $100,000 - $500,000 0.45% p.a. 5.40% p.a. n/a

LVR = Loan to Value Ratio.

~ Rate determined by total balance of People’s Choice Home Lending products.

a Limited time only. Borrower must qualify for a Home Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 18/10/2019 and subject to change without notice. Under the Package, a 1.27%p.a. discount is applied to the Standard Variable rate for the life of the loan. Maximum LVR is 90.00%. Minimum new borrowings $100,000. Investment Loans are excluded from this offer.

c Rate offer is available for new applications submitted from 23/10/2019 and 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.

z Limited Time Only. Rates are current for new applications from 18/10/2019 with rates and discounts subject to change at any time. Members with an existing Basic Variable loan must increase their borrowings by an amount that increases their Basic Variable loan to an amount greater than $150,000. No Offset Account allowed.

*Terms, conditions, fees, charges and lending criteria apply. Borrower must qualify for a Home Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 01/11/2018 and is subject to change at any time. Minimum new borrowings of $100,000 applies. Comparison rate based on a $150,000 loan over a 25 year term.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

The comparison rate is for a loan of $150,000 over 25 years. WARNING:This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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