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People's Choice and Heritage · Home loans
Standard Fixed Rate Home Loans - Owner Occupied
People's Choice and Heritage's Standard Fixed Rate Home Loans - 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 23 September 2026, up from 6.24% to 6.49%.
Advertised rate
6.49%
headline tier
Comparison rate
8.78%
as published
Last moved
+0.25pp
23 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (4)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 95%, $20,000 and overFixed Rate Loan Amount | 6.49% | 8.78% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 95%, $20,000 and overFixed Rate Loan Amount | 6.54% | 8.54% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 95%, $20,000 and overFixed Rate Loan Amount | 6.54% | 8.32% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 95%, $20,000 and overFixed Rate Loan Amount | 6.54% | 7.95% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Paper Based Statement Fee: Fee is charged for each paper statement issued as per your account statement cycle. | $3 |
| Monthly Administration Feerecurring: Waived under package | $8 |
| Loan Finalisation Feeon exit | $345 |
| Cheque Feeupfront | $10 |
| Title Registration Fee: Amounts charged to Heritage per Title Registration | see lender |
| Default Feeon exit: 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 - Owner Occupied 6.24%Discount Variable - Investment 6.39%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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