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Peopleโ€™s Choice Credit Union home loans

People's Choice Credit Union has home loan rates starting from 5.99%.

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People's Choice Credit Union offers a range of home loans for Australian borrowers. Check out the full table of People's Choice Credit Union products below or read more about the lender.

Compare People's Choice Credit Union home loans for May 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest20% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest 2Y Fixed10% min. depositInvestment
Interest Rate
Comparison Rate
Application: $0
Ongoing: $395 p.a.
Monthly Payment
Principal & Interest30% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest5% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $395 p.a.
Monthly Payment
Showing 5 of 13 results

People's Choice Credit Union key facts

  • It's a 100% member owned Bank based in Adelaide.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as savings, insurance, and personal loans.

People's Choice Credit Union home loan features

Here are the key features and details you need to know about People's Choice Credit Union's mortgage products.

Minimum depositIt's possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsMany of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans.

How do I apply for a mortgage from People's Choice Credit Union?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with People's Choice Credit Union you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

๐Ÿ“„ Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

๐Ÿ“„ Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

๐Ÿ“„ Proof of income documents. Recent payslips can establish your income.

๐Ÿ“„ Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

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