Choosing the right loan

People’s Choice has a range of home loans with great benefits to help you buy the first home you really want including:

Unlike other financial institutions who only want to sell you their own product, we offer a choice of loans from our panel of lenders, as well as our own products, all with highly competitive rates.


Plus, we have some great features to make owning your first home easier:

It's also important for you to look at our Credit Guide if you're thinking about applying for a loan to understand how we can best help you.


Where do I start?

To help you get started we've outlined the application process in our Home Loan Application guide.

You don’t need to have found your home before you apply for your loan.

Applying for conditional pre-approval makes it easier when looking for your first home.

Pre-approval lets you know how much you can afford to pay for a property, so you don’t waste time looking for properties outside of your price range. It will also allow you to move quickly when you find the house you really want.

To apply for pre-approval or find out more, speak with a Home Loan Adviser, call us on 13 11 82 or visit your nearest branch. 


What do I need to apply?

We've put together a handy checklist on page 2 of our Home Loan Application Guide.

We’ll ask you about a number of things during your application including:

  • Your income
  • Your monthly expenses
  • Your assets including properties, vehicles, investments and bank accounts
  • Your financial liabilities including loans and credit cards

Remember, it’s important to bring along original or certified copies of your documents.


How long will pre-approval take?

After your application interview and once we’ve received your application documentation, we’ll be able to provide you with an answer within 48 hours.


Who can I speak to?

Our mobile Home Loan Advisers take the stress out of researching home loan options and are happy to assist in finding the best loan for you. Alternatively call 13 11 82 or visit your nearest branch.

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