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Staff Home Loan
People's Choice and Heritage's Staff Home Loan is a home loan open only to a stated occupation, employer or membership. 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 7.93% to 8.18%.
Advertised rate
8.18%
headline tier
Tiers
1
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 7.93% and 8.18% over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Variable, Owner occupier, P&I, LVR up to 95%Staff Loan LVR | 8.18% |
Rate moves, last 30 days
- 13 October 2026: Variable, Owner occupier, P&I, LVR up to 95% lifted 0.25pp, from 7.93% to 8.18%.
Published fees
| Fee | Amount |
|---|---|
| Land Title Office Fees: Any fee payable at-cost on the date of settlement that are charged by the various states Land Title Offices regarding but not limited to registration of mortgag | see lender |
| Solicitor's/Conveyancer Fee: This fee is payable at-cost on the date of settlement and covers activities such as reviewing the contract of sale, conducting property searches, liaising with | see lender |
| Application Feeupfront | $600 |
| Settlement Feeupfront: $0 Settlement Fee - Save $150 | $150 |
| Security Handling Feewhen it happens: Charged per occurrence. | $150 |
| Portability Feewhen it happens: Charged per occasion when you wish to change the security(ies) against an existing loan(s) and there is no change to the existing loan(s) amount, loan interest | $300 |
| Top Up Feewhen it happens: Payable when you request and we approve additional funds to your existing borrowings and there is no change to the security or borrowers. | $400 |
| Discharge of Mortgagewhen it happens: For the preparation of a discharge of mortgage. | $350 |
| Documentation Feewhen it happens: Payable in the following circumstances: preparation of an additional mortgage; preparation of a guarantee; or where documents have been cancelled or redone, at | $200 |
| Valuation Fee: Valuation Fee at cost and payable by member. | see lender |
| Offset Accountrecurring: Only one fee will be charged per loan if multiple OffsetAccounts are held and are linked to the eligible loan. | $8 |
| Bank Cheque Fee: Bank Cheque Fee at cost to People's Choice per cheque | see lender |
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%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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