People's Choice (People First Bank) home loan interest rates for owner-occupier principal & interest loans — 3 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Basic Variable Home Loan OO P&I | 5.99% | — | 6.00% | No application or ongoing fees; discharge $350 | — |
| Home Loan Package Standard OO P&I; offset included | 5.99% | — | 6.04% | Package loan | — |
| Fixed Rate Home Loan | — | 1yr 6.29%2yr 6.24%3yr 6.29%4yr 6.39%5yr 6.39% | — | — | ★ 3yr Fixed First Home Buyer Offer: 6.19% (LVR <80%) |
About People's Choice (People First Bank)
Customer-owned bank based in Adelaide, SA; merged with Heritage Bank in 2023 to form People First Bank. Operates the People's Choice brand.
- Website: www.peopleschoice.com.au/
- Contact: 13 11 82 (24/7 Customer Hub); online enquiry/contact form via peopleschoice.com.au
Current People's Choice (People First Bank) rates: lowest variable 5.99%, lowest fixed 6.24%.