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Home Loan Calculators
Important notice regarding Home Loan and Investment Loan Packages
From 17 June 2025 we will no longer be offering for sale Home Loan and Investment Loan Packages. Customers with a package established before 17 June 2025 will retain access to package benefits however will not be able to add a new package loan under their existing package. For any enquiries or changes to an existing Home Loan Package please contact us by calling 13 11 82 or click on “Talk to an expert” to see other ways you can get in touch.
Home loan packages
We have a range of home loan packages to suit your needs, see our options below and choose the product that fits you.
Fixed Home Loan Package
Our Fixed Home Loan Package can help you open the door to your new home.Variable Home Loan Package
Our Variable Home Loan Package provides a discounted rate for the life of the loan, with the flexibility to make unlimited extra repayments.
Compare home loans
If you aren’t sure which loan will be best for your needs, our comparison tool is a great place to start.
What you need to know
We know that getting started can be tough, but we are here to guide you through the process and make it as simple as possible.
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.Refinance with a Home Loan at a great rate.
Replace an existing home loan with a new mortgage & reduce your home loan repayments.
Become a member
We value our members. Start your People's Choice journey today by becoming a member.
Most popular questions
At the end of my fixed rate term, what product and rate will my fixed package loan revert to?
At the end of the fixed period, the loan will revert to the variable rate package unless we agree otherwise, but you can talk to us if you’d like to re-fix your rate or review our other home loan options. If your loan reverts to the variable rate page, the interest rate applicable will be determined by your total loan balance at that time.How many loans can be incorporated under one annual package fee?
Multiple loans can be incorporated under one $395 annual fee.
Our Home Loan Package offers variable, line of credit and fixed rate products.Can I take advantage of the free valuation when entering into the home loan package?
Yes, you can take advantage of this immediately. You'll be entitled to one free valuation each year when you increase your borrowings within your home loan package.Can I pay extra off my fixed home loan package?
You can make additional repayments up to $10,000 per anniversary year. Break Costs may apply for repayments above the $10,000 limit. Redrawing the additional repayments is not permitted. Splitting your loan with a variable rate product can allow you to make unlimited extra repayments on the variable portion without incurring any Break Costs whilst still having the security of having a fixed interest rate on a portion of your loan.If I select to lock in a rate for my new fixed rate package application, how long is the rate guaranteed for?
This rate will be held for the 90 day ‘Approved Period’ from the date that the completed rate lock form is received by People’s Choice. This 90 day rate guarantee does not extend beyond the expiration date of the conditional loan approval.Can I pay extra off my Variable Home Loan package?
Yes, our Variable Rate Package enables you to make unlimited extra repayments.Can I redraw excess funds from my Variable Home Loan package?
Yes, our Variable Home Loan package offers you the flexibility to redraw any extra repayments you have made if you need the money back again. Redraw can be accessed online or via one of our branches.Can I link an offset account to my Home Loan Package?
An offset facility is available on our Variable Home Loan Package. Linking an offset account to your loan may help you reduce the interest payable and time taken to pay off your loan.
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Get in touch with us and we can help you get the answers you need.
