Lenders › People's Choice and Heritage › Discount Variable - Owner Occupied
People's Choice and Heritage · Home loans
Discount Variable - Owner Occupied
People's Choice and Heritage's Discount Variable - Owner Occupied 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 5.99% to 6.24%.
Advertised rate
6.24%
headline tier
Comparison rate
6.25%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 5.99% and 6.24% over the last 30 days.
Every current rate (9)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 70%, $700,000 and overDiscount Variable - Loan Amount | 6.24% | 6.25% |
| Variable, Owner occupier, P&I, LVR up to 70%, $20,000 to $699,999Discount Variable - Loan Amount | 6.24% | 6.25% |
| Variable, Owner occupier, P&I, LVR 70 to 80%, $700,000 and overDiscount Variable - Loan Amount | 6.34% | 6.35% |
| Variable, Owner occupier, P&I, LVR 70 to 80%, $20,000 to $699,999Discount Variable - Loan Amount | 6.34% | 6.35% |
| Variable, Owner occupier, P&I, LVR 80 to 90%, $20,000 to $699,999Discount Variable - Loan Amount | 6.74% | 6.74% |
| Variable, Owner occupier, P&I, LVR 80 to 90%, $700,000 and overDiscount Variable - Loan Amount | 6.74% | 6.74% |
| Variable, Owner occupier, P&I, LVR 90 to 95%, $20,000 to $699,999Discount Variable - Loan Amount | 7.04% | 7.04% |
| Variable, Owner occupier, P&I, LVR 90 to 95%, $700,000 and overDiscount Variable - Loan Amount | 7.04% | 7.04% |
| Variable, Owner occupier, P&I, LVR up to 95%, $20,000 and overDiscount Variable Reference Rate Loan Amount | 8.44% | 8.44% |
Rate moves, last 30 days
- 13 October 2026: 5 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 70%, $700,000 and over, from 5.99% to 6.24%.
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: amount charged by Government | see lender |
| Default Feewhen it happens: Every month until not 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 - Investment 6.39%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%
Get an email the morning People's Choice and Heritage moves this rate.
Every People's Choice and Heritage rate · every home loan rate compared · other lenders · this product in the explorer.