Home loan rates › People First and Heritage Bank
Staff Home Loan
People First and Heritage Bank
Staff Home Loan
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 |
|---|---|---|---|---|---|
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 95% or less | Not compared in rate tables Lender's staff | 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/7a12b620-5d54-4e20-92b6-4bc1597d95cd- Content hash
sha256 20dc125109ce08a54de7cb1f9e6e473cd6589dbbfdcd6a1adfaa346f255cdaf4- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_20dc125109ce08a5_61fe57e0Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/7a12b620-5d54-4e20-92b6-4bc1597d95cd- Content hash
sha256 20dc125109ce08a54de7cb1f9e6e473cd6589dbbfdcd6a1adfaa346f255cdaf4- 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.
Fees
| Fee | Type | Amount |
|---|---|---|
| Land Title Office Fees | Other | Set in your letter of offer |
| Solicitor's/Conveyancer Fee | Other | Set in your letter of offer |
| Application Fee | Upfront | $600.00 |
| Settlement Fee | Upfront | $150.00 |
| Security Handling Fee | Event | $150.00 |
| Portability Fee | Event | $300.00 |
| Top Up Fee | Event | $400.00 |
| Discharge of Mortgage | Event | $350.00 |
| Documentation Fee | Event | $200.00 |
| Valuation Fee | Other | Set in your letter of offer |
| Offset Account | Periodic | $8.00 |
| Bank Cheque Fee | Other | Set in your letter of offer |
| Lenders Mortgage Insurance (LMI) | Other | Set in your letter of offer |
| Solicitor's/Conveyancer Fee | Other | Set in your letter of offer |
| Land Title Office Fees | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Easy access to your account 24/7 with the People’s Choice Smartphone and iPhone App, Internet Banking and Phone Banking. | |
| Redraw | Free Redraw Available | Access to extra cash if you’re ahead on your repayments. |
| Extra repayments | Additional Repayments | Freedom to make unlimited extra repayments – reduce your loan term and save money |
| Other | Contracted monthly repayments | Repayments are contracted monthly, however flexibility to pay monthly, fortnightly, or weekly. |
| Offset | Offset Account | Link your loan and transaction account to help reduce the interest and time taken to pay off your loan. |
| 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: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 95% or less | 1 Nov 2026 | Current | Comparison rate not published | |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:staff | Lender's staff | Filter; shown in the row |
comparison-rate-missing | Reason this product is not ranked | |
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