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People's Choice and Heritage rates
People's Choice and Heritage publishes 36 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
People's Choice and Heritage's lowest home loan rate is 6.24% on Discount Variable - Owner Occupied, 0.50 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 4.85% on Online Saver Account, 0.85 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. People's Choice and Heritage repriced 14 products in the last 30 days, most recently lifting Online Saver Account on 1 November 2026, from 3.20% to 3.45%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Discount Variable - Owner Occupied | 6.24% | 6.25% |
| Discount Variable - Investment | 6.39% | 6.40% |
| Standard Fixed Rate Home Loans - Owner Occupied | 6.49% | 8.78% |
| Standard Fixed Rate Home Loans - Investment | 6.69% | 9.28% |
| Fixed Home Loan | 6.84% | 6.49% |
| Fixed Investment Loan - Interest Only | 6.89% | 6.54% |
| Fixed Investment Loan | 7.09% | 6.56% |
| Staff Home Loan restricted | 8.18% | |
| Basic Variable Home Construction restricted | 8.43% | 8.43% |
| Basic Variable Home Loan | 8.43% | 8.43% |
| Home Build Access (HBA) Deposit Assist Loan | 9.01% | 9.07% |
| Home Build Access (HBA) Low Deposit | 9.01% | 9.07% |
| Home Build Access (HBA) SIL | 9.05% | |
| Basic Variable Investment Construction restricted | 9.08% | 9.08% |
| Basic Variable Investment Loan | 9.08% | 9.08% |
| Basic Variable Investment Construction - IO restricted | 9.49% | 9.28% |
| Basic Variable Investment Loan - Interest Only | 9.49% | 9.28% |
Savings accounts
| Product | Advertised rate |
|---|---|
| Online Saver Account | 4.85% |
| Community and Business Saver | 1.60% |
Term deposits
| Product | Advertised rate |
|---|---|
| Term Deposit | 5.45% |
| Term Deposit | 5.45% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Dream Fund | 5.54% |
| Target Bonus Account | 4.49% |
| Youth Target Bonus Account | 4.49% |
| Business Access Account | 0.01% |
| Simply Access Transaction Account | 0.01% |
| Youth Simply Access Transaction Account | 0.01% |
Credit cards
| Product | Advertised rate |
|---|---|
| Secured Business Visa Credit Card | 10.65% |
| Unsecured Business Visa Credit Card | 12.95% |
| Visa Credit Card | 12.95% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Green Car Loan | 5.99% | 6.34% |
| Car Loan | 6.49% | 6.84% |
| Discounted Personal Loan | 6.49% | 6.84% |
| Staff Personal Loan | 8.27% | |
| Standard Personal Loan Fixed | 8.99% | 9.35% |
| Unsecured Personal Loan | 8.99% | 10.73% |
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