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Apply now
You can apply online, by calling 13 11 82 or by visiting your nearest branch.
Key benefits of this loan
- Flexible repayment frequency - pay weekly, fortnightly or monthly
- Rate-lock facility
- Split-loan interest rate option
Rates
Check out our Fixed Rate Home Loan rates!
Fixed loan term
- 1 year
- 2 years
- 3 years
- 4 years
- 5 years
Principal and Interest
Loan to Value Ratio (LVR) up to 95%
Loan size $20,000+
Loan size $20,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) up to 95%
Loan size $20,000+
Loan size $20,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) up to 95%
Loan size $20,000+
Loan size $20,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) up to 95%
Loan size $20,000+
Loan size $20,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) up to 95%
Loan size $20,000+
Loan size $20,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Product overview
Lock in a competitive fixed interest rate for between one and five years with the option of flexible repayment frequencies (weekly, fortnightly or monthly).
With our Fixed Rate Home Loan you'll know exactly what your mortgage repayments will be, helping you to budget and plan your finances.
Lock in a competitive fixed interest rate for between one to five years
You'll have the opportunity to select a new fixed rate period or revert to a variable rate.Loan terms up to 30 years
Flexibility to pay off the loan up to 30 years
Make extra repayments up to $10,000 a year
Pay off your loan fasterFlexible repayment frequency
Pay weekly, fortnightly or monthly
Split-loan interest rate option
Get the benefits of a part fixed and part variable loan
Rate-lock facility
Guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan is funded
Family guarantee for first home buyers
We'll help you through the process
Fees
Upfront fees
Application Fee
$600
Settlement Fee
$150
Rate Lock Option Fee
0.15% of the total loan amount
Ongoing fees
Monthly Administration Fee
$8. Refer to our Fees and Charges brochure.
Other fees
Valuation FeeAt Cost
Lenders Mortgage Insurance (LMI)
Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)
Third party charges
Third party charges apply e.g. stamp duty
Disclosure documents
Fees and charges brochureDownload our Fees and charges brochure (PDF, 152KB)
Do some quick maths
Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
What else do I need to consider?
Buying a home
No matter where you are on your home buying journey, we're here to help you get the home you really want.
Buying my first home
We're here to help you with every step of your journey towards buying your first home.
Building or renovating my home
We’ve got finance options to help you renovate and bring your ideas to reality.
Guides and tips
Variable vs fixed rate: which loan is best for you?
Understand the differences between variable and fixed home loans and find which option is best for you.
First home buyer guide: grants, schemes and incentives
If you’re a first home buyer, People’s Choice can help with a range of Government schemes and grants.
We’re here to chat if you need us!
Get in touch with us and we can help you get the answers you need.
