People First Bank home loan rates
HERITAGE AND PEOPLE'S CHOICE LIMITED · ACL 244310 · Mutual/Credit union
Rates as at 2026-10-20. 61 rates across 17 products.
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Discount Variable - Owner Occupied | 6.24% | 6.25% | Variable | Owner occupier | P&I | LVR <=70% · Loan $20000-699999 |
| Discount Variable - Owner Occupied | 6.24% | 6.25% | Variable | Owner occupier | P&I | LVR <=70% · Loan $>=700000 |
| Discount Variable - Owner Occupied | 6.34% | 6.35% | Variable | Owner occupier | P&I | LVR 70-80% · Loan $20000-699999 |
| Discount Variable - Owner Occupied | 6.34% | 6.35% | Variable | Owner occupier | P&I | LVR 70-80% · Loan $>=700000 |
| Discount Variable - Investment | 6.39% | 6.40% | Variable | Investment | P&I | LVR <=70% · Loan $20000-699999 |
| Discount Variable - Investment | 6.39% | 6.40% | Variable | Investment | P&I | LVR <=70% · Loan $>=700000 |
| Discount Variable - Investment | 6.49% | 6.49% | Variable | Investment | P&I | LVR 70-80% · Loan $20000-699999 |
| Discount Variable - Investment | 6.49% | 6.49% | Variable | Investment | P&I | LVR 70-80% · Loan $>=700000 |
| Discount Variable - Investment | 6.69% | 6.69% | Variable | Investment | Interest only | LVR <=70% · Loan $20000-699999 |
| Discount Variable - Investment | 6.69% | 6.69% | Variable | Investment | Interest only | LVR <=70% · Loan $>=700000 |
| Discount Variable - Owner Occupied | 6.74% | 6.74% | Variable | Owner occupier | P&I | LVR 80-90% · Loan $20000-699999 |
| Discount Variable - Owner Occupied | 6.74% | 6.74% | Variable | Owner occupier | P&I | LVR 80-90% · Loan $>=700000 |
| Discount Variable - Investment | 6.79% | 6.79% | Variable | Investment | Interest only | LVR 70-80% · Loan $20000-699999 |
| Discount Variable - Investment | 6.79% | 6.79% | Variable | Investment | Interest only | LVR 70-80% · Loan $>=700000 |
| Discount Variable - Investment | 6.89% | 6.89% | Variable | Investment | P&I | LVR 80-90% · Loan $20000-699999 |
| Discount Variable - Investment | 6.89% | 6.89% | Variable | Investment | P&I | LVR 80-90% · Loan $>=700000 |
| Discount Variable - Owner Occupied | 7.04% | 7.04% | Variable | Owner occupier | P&I | LVR 90-95% · Loan $20000-699999 |
| Discount Variable - Owner Occupied | 7.04% | 7.04% | Variable | Owner occupier | P&I | LVR 90-95% · Loan $>=700000 |
| Discount Variable - Investment | 7.19% | 7.19% | Variable | Investment | Interest only | LVR 80-90% · Loan $20000-699999 |
| Discount Variable - Investment | 7.19% | 7.19% | Variable | Investment | Interest only | LVR 80-90% · Loan $>=700000 |
| Staff Home Loan | 8.18% | — | Variable | Owner occupier | P&I | LVR <=95% |
| Basic Variable Home Construction | 8.43% | 8.43% | Variable | Owner occupier | P&I | LVR <=95% · Loan $20000-2e+06 · basic variable home loan |
| Basic Variable Home Loan | 8.43% | 8.43% | Variable | Owner occupier | P&I | LVR <=95% · Loan $20000-2e+06 |
| Discount Variable - Owner Occupied | 8.44% | 8.44% | Variable | Owner occupier | P&I | LVR <=95% · Loan $>=20000 |
| Discount Variable - Investment | 8.99% | 8.99% | Variable | Investment | P&I | LVR <=95% · Loan $>=20000 |
| Discount Variable - Investment | 8.99% | 8.99% | Variable | Investment | Interest only | LVR <=95% · Loan $>=20000 |
| Home Build Access (HBA) Deposit Assist Loan | 9.01% | 9.07% | Variable | Owner occupier | P&I | LVR <=10% · loan term |
| Home Build Access (HBA) Low Deposit | 9.01% | 9.07% | Variable | Owner occupier | P&I | LVR <=17% · loan term |
| Home Build Access (HBA) SIL | 9.05% | — | Variable | Owner occupier | P&I | LVR <=98% · loan term |
| Basic Variable Investment Construction | 9.08% | 9.08% | Variable | Investment | P&I | LVR <=90% · Loan $20000-2e+06 |
| Basic Variable Investment Loan | 9.08% | 9.08% | Variable | Investment | P&I | LVR <=90% · Loan $20000-2e+06 |
| Basic Variable Investment Construction - IO | 9.49% | 9.28% | Variable | Investment | Interest only | LVR <=80% · Loan $20000-2e+06 · basic variable investment loan io (base) |
| Basic Variable Investment Loan - Interest Only | 9.49% | 9.28% | Variable | Investment | Interest only | LVR <=80% · Loan $20000-2e+06 · basic variable investment loan io (base) |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Standard Fixed Rate Home Loans - Owner Occupied | 6.49% | 8.57% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=95% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Owner Occupied | 6.54% | 8.35% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=95% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Owner Occupied | 6.54% | 8.15% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=95% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Owner Occupied | 6.54% | 7.82% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=95% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Investment | 6.69% | 9.07% | Fixed | Investment | P&I | 1 yr fixed · LVR <=90% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Investment | 6.74% | 8.81% | Fixed | Investment | P&I | 2 yr fixed · LVR <=90% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Investment | 6.74% | 8.58% | Fixed | Investment | P&I | 3 yr fixed · LVR <=90% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Investment | 6.74% | 8.19% | Fixed | Investment | P&I | 5 yr fixed · LVR <=90% · Loan $>=20000 |
| Fixed Home Loan (2 tiers) | 6.84–6.94% | 6.31–6.34% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 80-95% |
| Fixed Home Loan | 6.89% | 6.18% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 80-95% |
| Fixed Investment Loan - Interest Only | 6.89% | 6.31% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=80% |
| Standard Fixed Rate Home Loans - Investment | 6.89% | 9.10% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=90% · Loan $>=20000 |
| Fixed Home Loan | 6.94% | 6.26% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 80-95% |
| Fixed Home Loan | 6.94% | 6.41% | Fixed | Owner occupier | P&I | 4 yr fixed · LVR 80-95% |
| Fixed Home Loan | 6.94% | 6.47% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR 80-95% |
| Fixed Investment Loan - Interest Only | 6.94% | 6.38% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=80% |
| Fixed Investment Loan - Interest Only | 6.94% | 6.44% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=80% |
| Fixed Investment Loan - Interest Only | 6.94% | 6.50% | Fixed | Investment | Interest only | 4 yr fixed · LVR <=80% |
| Fixed Investment Loan - Interest Only | 6.94% | 6.55% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=80% |
| Standard Fixed Rate Home Loans - Investment | 6.94% | 8.87% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=90% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Investment | 6.94% | 8.66% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=90% · Loan $>=20000 |
| Standard Fixed Rate Home Loans - Investment | 6.94% | 8.30% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=90% · Loan $>=20000 |
| Fixed Investment Loan | 7.09% | 6.33% | Fixed | Investment | P&I | 1 yr fixed · LVR 80-90% |
| Fixed Investment Loan | 7.14% | 6.42% | Fixed | Investment | P&I | 2 yr fixed · LVR 80-90% |
| Fixed Investment Loan | 7.14% | 6.50% | Fixed | Investment | P&I | 3 yr fixed · LVR 80-90% |
| Fixed Investment Loan | 7.14% | 6.58% | Fixed | Investment | P&I | 4 yr fixed · LVR 80-90% |
| Fixed Investment Loan | 7.14% | 6.64% | Fixed | Investment | P&I | 5 yr fixed · LVR 80-90% |
Conditions worth checking. Minimum loan size is $20,000.00 | Eligibility: 18 years and over | Eligibility: Terms, conditions, fees, charges and lending criteria apply and are available on application Eligibility: Lending criteria apply 1-2 Bedrooms | 3+ Bedrooms | Eligibility: 18 years and over | Eligibility: Terms, conditions, fees, charges and lending criteria apply and are available on application