Home Build Access (HBA) Low Deposit

People's Choice and Heritage's Home Build Access (HBA) Low Deposit 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 8.76% to 9.01%.

Advertised rate

9.01%

headline tier

Comparison rate

9.07%

as published

Last moved

+0.25pp

13 October 2026

Advertised rate, last 30 days. Between 8.76% and 9.01% over the last 30 days.

Every current rate (1)

Tier	Rate	Comparison
Variable, Owner occupier, P&I, LVR up to 18%Loan Term	9.01%	9.07%

Rate moves, last 30 days

13 October 2026: Variable, Owner occupier, P&I, LVR up to 18% lifted 0.25pp, from 8.76% to 9.01%.

Other People's Choice and Heritage home loans

Discount Variable - Owner Occupied 6.24%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) SIL 9.05%

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