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You can apply online, by calling 13 11 82 or by visiting your nearest branch.
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.
Key benefits of this loan
- Enjoy the certainty of fixed repayments
- Flexible repayment frequency - pay weekly, fortnightly or monthly
- Rate-lock facility
- Split-loan interest rate option
- Save on interest rates, products and services
Rates
Check out our Fixed Home Loan Package rates.
First home buyer
- Yes
- No
Fixed rate term
- 1 year
- 2 years
- 3 years
- 4 years
- 5 years
Principal and Interest - First Home Buyer Offer
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest - First Home Buyer Offer
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
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.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Product overview
Lock in a competitive fixed interest rate for between one and five years, with the option for flexible repayment frequencies (weekly, monthly or fortnightly).
With one annual fee, our Fixed Home Loan Package provides freedom - with no restrictions to the number of loans you can combine in a package.
Also included in your one annual fee are rate and fee discounts on a wide range of products and services.
To qualify, you need to have a minimum total home lending of $100,000 in eligible package products.
Lock in a competitive fixed interest rate for between one to five years
You'll have the opportunity to revisit your loan option after this periodLoan terms up to 30 years
Flexibility to pay off the loan up to 30 years
Make extra repayments up to $10,000 per 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 interest rate loan
Rate-lock facility
Guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds
Family guarantee for first home buyers
We'll help you through the processConstruction loan option available
Ask an expert and find out your options
Plus discounts on other products and services
See how you can save
$0 Application Fee
Save $600
$0 Top Up Fee
Save $400 per top-up. Ideal if you’re planning on renovating, investing, buying a car or going on a holiday
$0 Settlement Fee
save $150
$0 Monthly Administration Fee
Save $96 per year for each loanFree Valuation
Receive one valuation each yearFree loan reviews
To ensure your loan is the best fit through all stages of your life
$0 Personal Loan Application Fee
Save $250
Fees
Upfront fees
Rate Lock Option Fee
0.15% of the total loan amount
Ongoing fees
Annual Fee
$395
Other fees
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.
