BSB 805 050

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BSB 805 050

Special Offer Rates

Current as at 26 March 2020

New Business Offer - Basic Variable Home Loan

Product Name

Tier

Discount to the Basic Variable Rate

Principal & Interest
Rate with Discount

Principal & Interest 
Comparison Rate

Interest Only Rate with Discount

Interest Only Comparison Rate

Basic Variable New Business Home Loan <80%Ratez $150,000 - $1,500,000 1.24% p.a. 2.69% p.a. 2.69% p.a. n/a n/a
$150,000 - $1,500,000 0.75% p.a. n/a n/a 3.73% p.a. 3.73% p.a.
Basic Variable New Business Home Loan Ratez $150,000 - $1,500,000 0.93% p.a. 3.00% p.a. 3.00% p.a.  n/a  n/a
$150,000 - $1,500,000 0.63% p.a. n/a n/a 3.85% p.a. 3.85% p.a.

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 <80% LVR~a $100,000 - $1,500,000 1.56% p.a. 2.95% p.a. 3.37% p.a. n/a n/a
Variable Home Loan Package <90% LVR~b $100,000 - $1,500,000 1.27% p.a. 3.24% p.a. 3.65% p.a. n/a n/a

First Home Buyer - 3 Year Fixed 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 2.19% p.a. 3.69% p.a. 3.04% p.a. 4.30% p.a.

Fixed Home Loan Package - Fixed 2 year

Product Name

Tier

Principal & Interest 
Rate

Principal & Interest 
Comparison Rate

Interest Only Rate

Interest Only Comparison Rate 

Fixed Home Loan Package 2 year $100,000- $1,500,000 2.89% p.a 3.93% p.a 3.74% p.a 4.51% p.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 17 March 2020 and subject to change without notice. Under the Package, a 1.56%p.a. discount is applied to the Standard Variable rate for the life of the loan. Maximum LVR is 80.00%. Minimum new borrowings $100,000. Investment Loans are excluded from this offer.

b Limited time only. Borrower must qualify for a Home Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 17 March 2020 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 26 March 2020 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.

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.

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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