Home loan rates › People First and Heritage Bank
Discount Variable - Owner Occupied
People First and Heritage Bank
CDR official
Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments and free online redraw.
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 |
|---|---|---|---|---|---|
| 6.24% | 6.25% | Variable · owner occupied · principal and interest · LVR 70% or less · $20,000–$699,999 | CDR | 1 Nov 2026 | |
| 8.44% | 8.44% | Variable · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | CDR | 1 Nov 2026 | |
| 6.24% | 6.25% | Variable · owner occupied · principal and interest · LVR 70% or less · $700,000 or more | CDR | 1 Nov 2026 | |
| 6.34% | 6.35% | Variable · owner occupied · principal and interest · LVR 70%–80% · $20,000–$699,999 | CDR | 1 Nov 2026 | |
| 6.34% | 6.35% | Variable · owner occupied · principal and interest · LVR 70%–80% · $700,000 or more | CDR | 1 Nov 2026 | |
| 6.74% | 6.74% | Variable · owner occupied · principal and interest · LVR 80%–90% · $20,000–$699,999 | CDR | 1 Nov 2026 | |
| 6.74% | 6.74% | Variable · owner occupied · principal and interest · LVR 80%–90% · $700,000 or more | CDR | 1 Nov 2026 | |
| 7.04% | 7.04% | Variable · owner occupied · principal and interest · LVR 90%–95% · $20,000–$699,999 | CDR | 1 Nov 2026 | |
| 7.04% | 7.04% | Variable · owner occupied · principal and interest · LVR 90%–95% · $700,000 or more | 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/f1f4dfec-268b-4d8f-b177-33311c33cef5- Content hash
sha256 9d10ebff7c139a947742cf3dff6ce44b4d30e8b1a63f13cacf7826a83a8a9972- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_9d10ebff7c139a94_f3f24956Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/f1f4dfec-268b-4d8f-b177-33311c33cef5- Content hash
sha256 9d10ebff7c139a947742cf3dff6ce44b4d30e8b1a63f13cacf7826a83a8a9972- 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 |
|---|---|---|
| Paper Based Statement Fee | Other | $3.00 |
| Monthly fee | Event | $0.00 |
| Loan Finalisation Fee | Exit | $345.00 |
| Cheque Fee | Upfront | $10.00 |
| Title Registration Fee | Other | Set in your letter of offer |
| Default Fee | Event | $30.00 |
| Special Request Transaction Listing Fee | Event | $7.50 |
| Enforcement Fee | Event | $20.00 |
| TELEGRAPHIC TRANSFER FEE (PEXA Settlements) | Event | $35.00 |
| Renegotiation fee | Event | $250.00 |
| Substitute Security Fee | Event | $450.00 |
| Partial release processing fee | Event | $220.00 |
| Partial Release Assessment fee | Event | $100.00 |
| Capital reduction recalculation fee | Event | $75.00 |
| Change of term fee | Event | $75.00 |
| Document/Record Search fee | Event | $12.00 |
| Direct Debit dishonour fee | Event | $10.00 |
| Redraw Administration Fee | Event | $20.00 |
| Consent Fee | Event | $200.00 |
| Production Fee | Event | $100.00 |
| Title Search | Other | Set in your letter of offer |
| Title search - payable to Agent/Solicitor | Other | Set in your letter of offer |
| Agent's fees | Other | Set in your letter of offer |
| Bank cheques cost payable to any Bank issuing a bank cheque for settlement on settlement of Loan. | Other | Set in your letter of offer |
| Valuer's fee may become payable to Valuation Exchange Pty Ltd if Heritage obtains a valuation for a property subject to a Security in connection with a proposed transaction (such as an application for a further advance or an application to substitute securities). | Other | Set in your letter of offer |
| Council mortgage notification fee | Other | Set in your letter of offer |
| Mortgage Dealing Fee | Other | Set in your letter of offer |
| QBE - Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Guarantor Fee | Event | $200.00 |
| Trust/Company Document Examination Fee | Event | $250.00 |
| Collateral Security Preparation fee | Event | $100.00 |
| Approval Request Fee | Other | Set in your letter of offer |
| Telegraphic Transfer Fee | Event | $30.00 |
| Stamp Duty | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Get a competitive low variable interest rate on our simple Discount Variable Rate Home Loan | |
| Extra repayments | Make unlimited additional repayments | |
| Redraw | Online redraw available | |
| Other | Loan terms from 1 to 30 years | |
| Guarantor | Family Guarantee options available | |
| Other | Split Loans available | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | A citizen or permanent resident of Australia or New Zealand | |
| Eligibility: other | Lending criteria apply | |
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 70% or less · $20,000–$699,999 | 1 Nov 2026 | Current | 6.24% | 6.25% |
| Variable · owner occupied · principal and interest · LVR 70% or less · $700,000 or more | 1 Nov 2026 | Current | 6.24% | 6.25% |
| Variable · owner occupied · principal and interest · LVR 90%–95% · $700,000 or more | 1 Nov 2026 | Current | 7.04% | 7.04% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $20,000–$699,999 | 1 Nov 2026 | Current | 6.34% | 6.35% |
| Variable · owner occupied · principal and interest · LVR 80%–90% · $700,000 or more | 1 Nov 2026 | Current | 6.74% | 6.74% |
| Variable · owner occupied · principal and interest · LVR 80%–90% · $20,000–$699,999 | 1 Nov 2026 | Current | 6.74% | 6.74% |
| Variable · owner occupied · principal and interest · LVR 95% or less · $20,000 or more | 1 Nov 2026 | Current | 8.44% | 8.44% |
| Variable · owner occupied · principal and interest · LVR 90%–95% · $20,000–$699,999 | 1 Nov 2026 | Current | 7.04% | 7.04% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $700,000 or more | 1 Nov 2026 | Current | 6.34% | 6.35% |
*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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