Home loan rates › People First and Heritage Bank
Fixed Home Loan
People First and Heritage Bank
With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances.
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 |
|---|---|---|---|---|---|
| 6.89% | 6.40% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.94% | 6.46% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.84% | 6.49% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.94% | 6.52% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.94% | 6.57% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.94% | 6.61% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/ab366207-e016-4216-ba82-62061e6a44d7- Content hash
sha256 17246e0c6a3e40ab62ba8ede72d3ee7e71020d219c88d12b522089e4607391cd- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_17246e0c6a3e40ab_e3798197Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/ab366207-e016-4216-ba82-62061e6a44d7- Content hash
sha256 17246e0c6a3e40ab62ba8ede72d3ee7e71020d219c88d12b522089e4607391cd- 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 |
| Security Handling Fee | Event | $150.00 |
| Portability Fee | Event | $300.00 |
| Discharge of Mortgage | Event | $350.00 |
| Documentation Fee | Event | $200.00 |
| Valuation Fee | Other | Set in your letter of offer |
| Rate Lock Option | Event | 0.15% |
| Break Cost Fee | Other | Set in your letter of offer |
| Bank Cheque Fee | Other | Set in your letter of offer |
| Lenders Mortgage Insurance (LMI) | Other | Set in your letter of offer |
| Arrears Administration Fee 1 | Event | $25.00 |
| Arrears Administration Fee 2 | Event | $25.00 |
| Enforcement of Mortgage fee | Event | $70.00 |
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. | |
| Other | Contracted monthly repayments | Repayments are contracted monthly, however flexibility to pay monthly, fortnightly, or weekly. |
| Complementary product discounts | No Credit Card Annual Fee | $0 Visa Credit Card Annual Fee - save $59. |
| Other | Rate Lock Available | Rate-lock facility - guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds. |
| Extra repayments | Additional Repayments | Freedom to make unlimited extra repayments – reduce your loan term and save money |
| Guarantor | Family Guarantee for first home buyers | Family Guarantees can help applicants get into their home sooner by reducing the amount of deposit required |
| Relationship management | One to One Relationship Management available | Our Program One to One provides a higher level of personalised service to members that have significant business with the Credit Union, measured by borrowings and/or deposits. This is achieved by providing each member with their own Relationship Manager as a single point of contact for all their financial service needs. |
| Redraw | Free Redraw Available | Access to extra cash if you’re ahead on your repayments. |
| Other | Split Loan | The ability to have a split loan (partial fixed and partial variable) |
| 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 |
|---|---|---|---|---|
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 6.52% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 6.61% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.89% | 6.40% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 6.46% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 6.57% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.84% | 6.49% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.