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People's Choice and Heritage · Home loans
Discount Variable - Investment
People's Choice and Heritage's Discount Variable - Investment is a home loan. The figures are the ones People's Choice and Heritage publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 6.14% to 6.39%.
Advertised rate
6.39%
headline tier
Comparison rate
6.40%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 6.14% and 6.39% over the last 30 days.
Every current rate (14)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Investor, P&I, LVR up to 70%, $700,000 and overDiscount Variable Loan Amount | 6.39% | 6.40% |
| Variable, Investor, P&I, LVR up to 70%, $20,000 to $699,999Discount Variable Loan Amount | 6.39% | 6.40% |
| Variable, Investor, P&I, LVR 70 to 80%, $700,000 and overDiscount Variable Loan Amount | 6.49% | 6.49% |
| Variable, Investor, P&I, LVR 70 to 80%, $20,000 to $699,999Discount Variable Loan Amount | 6.49% | 6.49% |
| Variable, Investor, Interest only, LVR up to 70%, $20,000 to $699,999Discount Variable Loan Amount | 6.69% | 6.69% |
| Variable, Investor, Interest only, LVR up to 70%, $700,000 and overDiscount Variable Loan Amount | 6.69% | 6.69% |
| Variable, Investor, Interest only, LVR 70 to 80%, $700,000 and overDiscount Variable Loan Amount | 6.79% | 6.79% |
| Variable, Investor, Interest only, LVR 70 to 80%, $20,000 to $699,999Discount Variable Loan Amount | 6.79% | 6.79% |
| Variable, Investor, P&I, LVR 80 to 90%, $20,000 to $699,999Discount Variable Loan Amount | 6.89% | 6.89% |
| Variable, Investor, P&I, LVR 80 to 90%, $700,000 and overDiscount Variable Loan Amount | 6.89% | 6.89% |
| Variable, Investor, Interest only, LVR 80 to 90%, $700,000 and overDiscount Variable Loan Amount | 7.19% | 7.19% |
| Variable, Investor, Interest only, LVR 80 to 90%, $20,000 to $699,999Discount Variable Loan Amount | 7.19% | 7.19% |
| Variable, Investor, P&I, LVR up to 95%, $20,000 and overDiscount Variable Reference Rate Loan Amount | 8.99% | 8.99% |
| Variable, Investor, Interest only, LVR up to 95%, $20,000 and overVariable Reference Rate Loan Amount | 8.99% | 8.99% |
Rate moves, last 30 days
- 13 October 2026: 8 tiers lifted 0.25pp; the lowest, Variable, Investor, P&I, LVR up to 70%, $700,000 and over, from 6.14% to 6.39%.
Published fees
| Fee | Amount |
|---|---|
| Paper Based Statement Fee: Fee is charged for each paper statement issued as per your account statement cycle. | $3 |
| Monthly feewhen it happens | $0 |
| Loan Finalisation Feeon exit | $345 |
| Cheque Feeupfront | $10 |
| Title Registration Fee: Land registries are managed state-by-state, so costs differ across Australia. | see lender |
| Default Feewhen it happens: will be charged monthly until no longer in default | $30 |
| Special Request Transaction Listing Feewhen it happens | $7.50 |
| Enforcement Feewhen it happens | $20 |
| Telegraphic Transfer fee (PEXA settlements)when it happens: Payable to ANZ Banking Group or Westpac Banking Corporation on settlement if any of the amount of credit is telegraphically transferred. | $35 |
| Renegotiation feewhen it happens | $250 |
| Substitute Security Feewhen it happens | $450 |
| Partial release processing feewhen it happens | $220 |
Other People's Choice and Heritage home loans
Discount Variable - Owner Occupied 6.24%Standard Fixed Rate Home Loans - Owner Occupied 6.49%Standard Fixed Rate Home Loans - Investment 6.69%Fixed Home Loan 6.84%Fixed Investment Loan - Interest Only 6.89%Fixed Investment Loan 7.09%Staff Home Loan 8.18%Basic Variable Home Construction 8.43%Basic Variable Home Loan 8.43%Home Build Access (HBA) Deposit Assist Loan 9.01%Home Build Access (HBA) Low Deposit 9.01%Home Build Access (HBA) SIL 9.05%
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