Basic Variable Home Loan
A home loan with a low interest rate, no application or ongoing fees, and the flexibility to make extra repayments.
Basic Variable Home Loan – Reference Rate
LVR
helpLoan size
helpDiscount to the Basic Variable Rate
helpInterest rate with discount
helpComparison rate
helpBasic Variable Rate
LVR
%
Loan size
$
+
Discount to the Basic Variable Rate
% p.a.
Interest rate with discount
% p.a.
Comparison rate
% p.a.
Basic Variable Home Loan
Loan to Value Ratio (LVR) <70%
LVR
helpLoan size
helpDiscount to the Basic Variable Rate
helpInterest rate with discount
helpComparison rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Discount to the Basic Variable Rate
% p.a.
Interest rate with discount
% p.a.
Comparison rate
% p.a.
Basic Variable Home Loan
Loan to Value Ratio (LVR) 70.01% - 80%
LVR
helpLoan size
helpDiscount to the Basic Variable Rate
helpInterest rate with discount
helpComparison rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Discount to the Basic Variable Rate
% p.a.
Interest rate with discount
% p.a.
Comparison rate
% p.a.
Basic Variable Home Loan
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpDiscount to the Basic Variable Rate
helpInterest rate with discount
helpComparison rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Discount to the Basic Variable Rate
% p.a.
Interest rate with discount
% p.a.
Comparison rate
% p.a.
Fixed Rate Home Loan
Enjoy certainty by knowing what your home loan repayments will be.
1 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
1 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
2 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
2 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
3 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
3 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
3 Year Fixed Rate - First Home Buyer Offer
Loan to Value Ratio (LVR) <80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
3 Year Fixed Rate - First Home Buyer Offer
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
4 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
4 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
5 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
5 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
helpLoan size
helpInterest rate
helpComparison rate
helpRevert Rate
helpPrincipal and Interest
LVR
%
Loan size
$
+
Interest rate
% p.a.
Comparison rate
% p.a.
Revert Rate
% p.a.
Tools and calculators
calculator-home-loan
Home loan calculators
We've got a range of home loan calculators to help you work out your repayments, stamp duty and borrowing power.
Learn more
chevron_right
calculator-home-loan
Mortgage comparison calculator
Use our mortgage comparison calculator to compare your home loan to a People First Bank home loan.
Learn more
chevron_right
calculator-home-loan
Stamp duty and land tax calculator
When buying a home, there are additional costs like stamp duty and land tax.
Learn more
chevron_right
Need some help? We've got you covered.
Get in touch with us and we can help you get the answers you need.
help
Help and support
Access forms, brochures, support articles, FAQs and more below.
lock
Message us securely
Log into Digital Banking to send us a secure message by clicking the link below, or by using your People First Bank App.
