RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

  Fixed Home Loan

With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances.
Category: Home Loans  Last Updated October 8, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 3 Year Fixed Rate
Interest Rate
5.69% PA
Comparison Rate
7.97%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  Fixed 2 Year
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 8.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed 3 Year
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 7.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed 4 Year
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 7.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed 5 Year
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 7.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Other Additional Information: Flexible repayment frequency - pay weekly, fortnightly or monthly.
  • Other Additional Information: $0 Visa Credit Card Annual Fee - save $59.
  • Other Additional Information: Rate-lock facility - guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds.
  • Extra Repayments Additional Information: Make extra repayments up to $10,000 per year.
  • Guarantor Additional Information: Family Guarantees can help applicants get into their home sooner by reducing the amount of deposit required
  • Relationship Management Additional Information: Our Program One to One provides a higher level of personalised service to members that have significant business with the Credit Union, measured by borrowings and/or deposits. This is achieved by providing each member with their own Relationship Manager as a single point of contact for all their financial service needs.

 Product Eligibility

  • Natural Person - Personal Members Only.
  • Residency Status - Permanent Residents Of Australia Who Reside In Australia At The Time Of Membership Application Are Eligible For Membership, Regardless Of Citizenship Status..
  • Min Age - 18. Additional Information: 18 years and over
  • Other Additional Information: Terms, conditions, fees, charges and lending criteria apply and are available on application

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 600.00.
  • Settlement Fee (Upfront), Amount: 150.00.
  • Security Handling Fee (Event), Amount: 150.00. Additional Information: Charged per occurrence. Payable in the following circumstances; deed of priority, title production, variation of priority, consent or name change.
  • Portability Fee (Event), Amount: 300.00. Additional Information: Charged per occasion when you wish to change the security(ies) against an existing loan(s) and there is no change to the existing loan(s) amount, loan interest rate or type, term of the loan(s), product type, borrowers or mortgagors. Discharge fees may also apply.
  • Top Up Fee (Event), Amount: 400.00. Additional Information: Payable when you request and we approve additional funds to your existing borrowings and there is no change to the security or borrowers.
  • Discharge Of Mortgage (Event), Amount: 350.00. Additional Information: For the preparation of a discharge of mortgage.
  • Documentation Fee (Event), Amount: 200.00. Additional Information: Payable in the following circumstances: preparation of an additional mortgage; preparation of a guarantee; or where documents have been cancelled or redone, at your request, after contracts have been issued.
  • Valuation Fee (Event), Amount: 0.00. Additional Information: Valuation Fee at cost and payable by member.
  • Rate Lock Option (Event), Amount: Not Listed.. Additional Information: Optional charge for fixed interest rate loans to hold the advertised interest rate at the time of your application or where you refix your loan for an approved period.
  • Break Cost Fee (Event), Amount: 0.00. Additional Information: Break Cost Fees apply to Fixed Rate Loans only. A Break Cost Fee will be payable by you where a ‘Break Event’ occurs. Refer to the Lending Terms & Conditions document for the definition of a ‘Break Event’ and for details of how a Break Cost fee is calculated.
  • Monthly Fee (Periodic), Amount: 8.00.
  • Bank Cheque Fee (Event), Amount: 0.00. Additional Information: Bank Cheque Fee at cost to People's Choice per cheque

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00 Additional Information: Minimum loan size is $20,000.00

 Document Downloads

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

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