People First Bank home loan rates
Ranked by advertised rate, People First Bank's lowest advertised rate we track is 6.24% advertised (6.25% comparison) on the Basic Variable Home Loan - owner-occupier, P&I, <=70% LVR - 15th of 32 lenders we track. Rates as at 14 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.24% advertised (6.25% comparison) on the Basic Variable Home Loan - owner-occupier, P&I, <=70% LVR; its lowest fixed home loan rate we track is 6.49% advertised (6.36% comparison) on the Fixed Rate Home Loan, 1-year term (<=80% LVR). Rates as at 14 Oct 2026.
We track 6 People First Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 14 Oct 2026. See our methodology.
People First Bank and Heritage Bank are both trading names of Heritage and People's Choice Ltd. The rates on this page are its People First Bank-branded products, as published in its open data feed. Its Heritage-branded products are listed separately under Heritage.
At the lowest advertised rate we track - 6.24% on the Basic Variable Home Loan - owner-occupier, P&I, <=70% LVR - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,690 a month (an arithmetic example, not a quote or an offer). Rates as at 14 Oct 2026.
People First Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
We have no current reading of People First Bank's published data (last reading 14 Oct 2026), so we can't yet say whether it has changed a variable rate since the decision.
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
People First Bank products (6)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Basic Variable Home Loan - owner-occupier, P&I, <=70% LVRPeople First Bank | Variable | 6.24% | 6.25% | — | link |
Fixed Rate Home Loan, 1-year term (<=80% LVR)People First Bank | Fixed 1yr | 6.49% | 6.36% | — | link |
Fixed Rate Home Loan, 2-year term (<=80% LVR)People First Bank | Fixed 2yr | 6.54% | 6.38% | — | link |
Fixed Rate Home Loan, 3-year term (<=80% LVR)People First Bank | Fixed 3yr | 6.54% | 6.40% | — | link |
Fixed Rate Home Loan, 4-year term (<=80% LVR)People First Bank | Fixed 4yr | 6.54% | 6.42% | — | link |
Fixed Rate Home Loan, 5-year term (<=80% LVR)People First Bank | Fixed 5yr | 6.54% | 6.43% | — | link |
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