Home loan rates › People First and Heritage Bank
Home Build Access (HBA) Low Deposit
People First and Heritage Bank
CEOH (NT ONLY) lends 17.5% of the purchase price on new home or construction of home.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 9.01% | 9.07% | Variable · owner occupied · principal and interest · LVR 18% or less | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/fe262220-bb74-4bd5-8b97-e7c986c74be8- Content hash
sha256 66be1708a9bda460bfa8719e51b7d0cbbb8a05aaba7f6533956629110cdf192c- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_66be1708a9bda460_fdd25a4cShow details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/fe262220-bb74-4bd5-8b97-e7c986c74be8- Content hash
sha256 66be1708a9bda460bfa8719e51b7d0cbbb8a05aaba7f6533956629110cdf192c- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional Repayments | Freedom to make unlimited extra repayments – reduce your loan term and save money |
| Other | Maximum loan term 30 years | Ability to pay the loan over 30 years for Chief Executive Officer (Housing) loans |
| Other | NT government housing schemes | Introduced 1 January 2013. Limited eligibility criteria apply, no income or home ownership requirements. CEOH lends 17.50% of purchase price on new home or construction of home. Max. purchase price: $550K 3 brm or more, $475K 1-2 brm. Approved financier (PCCU) provide first mortgage secured home loan. |
| Other | Contracted monthly repayments | Repayments are contracted monthly, however flexibility to pay monthly, fortnightly, or weekly. |
| Eligibility: natural person | Personal Members Only | |
| Eligibility: residency status | Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status. | |
| Eligibility: min age | 18 | 18 years and over |
| Eligibility: other | Terms, conditions, fees, charges and lending criteria apply and are available on application | |
| Limit: max limit | 83125.00 | |
| Limit: max limit | 96250.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 18% or less | 1 Nov 2026 | Current | 9.01% | 9.07% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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