Fixed rates rocket as major banks warn of RBA hikes
Well over a dozen lenders have adjusted fixed rates higher this week, a sign that the majo...
18 Dec, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
5.14% p.a. | 5.15% p.a. | $2,727 | Principal & Interest | Variable | $395 | $0 | 70% | |||||||||||||
5.24% p.a. | 5.25% p.a. | $2,758 | Principal & Interest | Variable | $395 | $0 | 80% | |||||||||||||
5.29% p.a. | 5.30% p.a. | $2,773 | Principal & Interest | Variable | $0 | $600 | 70% | |||||||||||||
5.29% p.a. | 5.26% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $0 | 80% | |||||||||||||
5.34% p.a. | 5.28% p.a. | $2,789 | Principal & Interest | Fixed | $0 | $0 | 80% | |||||||||||||
5.39% p.a. | 5.40% p.a. | $2,805 | Principal & Interest | Variable | $395 | $0 | 80% | |||||||||||||
5.39% p.a. | 5.31% p.a. | $2,805 | Principal & Interest | Fixed | $0 | $0 | 80% | |||||||||||||
5.49% p.a. | 5.41% p.a. | $2,836 | Principal & Interest | Fixed | $0 | $0 | 80% |
Important Information and Comparison Rate Warning
What you need to know about People's Choice home loans
People's Choice is one of Australia's largest credit unions and, since its 2023 merger with Heritage Bank, also trades under the wider People First Bank banner while keeping its own brand and member-owned structure. The combined group continues to offer Australians a community-focused alternative to the big banks.
You might find People's Choice a good fit if you:
- Prefer a member-owned lender
As a credit union, customers are also the owners, so surpluses are channelled back into better rates, service and community programs. - Want the reach of a large mutual with local service
Customers can pop into branches across South Australia, the Northern Territory, and Victoria. The bank also offers an app, internet banking, and a call centre. - Want home loan choices
Borrowers can choose from variable, fixed, and split options for owner-occupiers or investors. - Are eligible for the 5% Deposit Scheme
People's Choice is a participant in the 5% Deposit Scheme, a government scheme that helps eligible buyers enter the market with deposits of less than 20% without paying for lenders mortgage insurance (LMI). - Value community impact
The long-running People First Community Lottery has raised more than $22 million for grassroots clubs and charities since 1984. - Care about sustainability
People's Choice is both Climate Active carbon-neutral and B Corp certified, and its Adelaide head office boasts a 6-Star NABERS rating.
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The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site. YourMortgage.com.au, InfoChoice.com.au, Savings.com.au and YourInvestmentPropertyMag.com.au are part of the InfoChoice Group. The InfoChoice Group are wholly owned by KCBL Pty Ltd who are part of the Firstmac Group. Read about how InfoChoice Group manages potential conflicts of interest, along with how we get paid.
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