Your home loan

Need some help? Give us a call 13 11 82

People’s Choice Credit Union

I/We would like to borrow: $0

Repaid over: 5years

As a ...

I/We would like to borrow: $0

Repaid over: 5years

Your Loan
Your Details
Your Income
Your Expenses
Review & Submit

Have you previously started a home loan application online? If so you can resume your application by clicking the button

Resume application
How can we help you?
Sorry you are unable to continue until all required questions are completed.

How many people are enquiring?

Single person applying

Two applicants applying

Three applicants applying

Four applicants applying

Company/Trust applying

Your first name

Email

Confirm email

Member number Optional

By entering your details, you consent to us using your personal information as outlined in our Privacy Statement.
Where you don’t proceed with this application, your details will be stored for 90 days and we may use them to get in touch or for marketing purposes such as (but not limited to) sending you special offers. If you do not wish to be contacted please tick this box.

Second person’s first name

Third person’s first name

Fourth person’s first name

Name of company / trust

You are

You are looking to

I have found my property

I have found my land and I am ready to build

I’m still looking

I have a home loan with another financial institution

I want to review or increase my existing loan

I want to talk to someone
Where are you looking to buy?

How much are you looking to spend?

How much is your deposit?

My current loan is

I am

How much are you looking to borrow?
How much are you looking to borrow?

Repay the loan over

Repayment frequency

Do you want to protect your loan?

If you were unable to work due to illness or injury, lost your job involuntarily or if you passed away, Mortgage Protection Plus may protect you, your family and your home by assisting with your loan repayments.

How would you like to secure this loan?

A secured loan is where People’s Choice lends you money in exchange for the title of the property you are buying or another property you may own. The title of the home is then released by People’s Choice once the loan is paid off. Some types of property are not accepted as security such as warehouses, commercial properties, unzoned or some regional properties and moiety titles. Please chat to us if you have any questions.

Do you require home insurance?

As part of your home loan application, we can offer a range of home, contents and landlord’s insurance products, underwritten by our insurance partner.

Do you know what loan features you are looking for?

Fixed interest rate

With a fixed interest rate, you have peace of mind that it won’t change for the fixed period. However, there are limitations on the amount of additional repayments you can make or breaking the fixed interest rate period early may attract a fee.

Variable interest rate

You will have the flexibility of making extra repayments to pay off your loan sooner. Interest rates may change meaning your repayments could increase or decrease over the life of your loan.

Offset account option

An offset account is just like a normal savings account, but the amount in the account is offset against your home loan balance. You are only charged interest on the difference between these two amounts, not your entire home loan balance (subtract your offset account balance from your home loan balance. This is the amount you’ll be paying interest on).

Make additional payments

Do you want the ability to make extra loan repayments to be able to pay off your loan sooner?

Redraw facility

A redraw facility is only available on variable rate loans. It gives you the ability to access the extra repayments you make on your loan, giving you greater flexibility if a big expense or purchase were to come up.

Line of credit / Overdraft

An approved maximum loan amount you can borrow that allows you to access funds at any time as long as you don't exceed the maximum amount (credit limit). Requires financial discipline to ensure balances are paid on time.

Package option

A home loan package offers interest rates discounts for the life of the loan, as well as providing other benefits on People’s Choice products where the home loan is greater than $100,000.

Interest only repayments

You will only repay the interest charged to your loan making your repayments lower during the interest only period. Making interest only repayments means your loan balance will not decrease during this time and your repayments will increase at the end of the term.

It looks like your Home Loan enquiry may require detailed information. Select “Contact Me” to provide your contact details and we’ll call you for a chat.
Great, now you have two options to progress your Home Loan enquiry.

Continue Online (approximately 20 minutes)

Select “Continue”. Completing this form is the next step in the Home Loan application process. We will use this information to understand your financial position and identify Home Loan options that may be appropriate for you. We will then contact you to discuss your choices.

Submit Enquiry Now

Select “Contact Me” to submit your enquiry now and we will contact you to gather this information.

It’s all about you

Sorry we are unable to submit your application until all the questions are completed.

, tell us more about yourself
I am

Member number

First name

Middle name

Last name

Previous last name (if applicable)

Title

Date of birth
Day of birth day

Day of birth month

Day of birth year

Dependants

Age of dependant

Do you have a driver’s licence?

Licence number

, tell us more about yourself
I am

Member number

First name

Middle name

Last name

Previous last name (if applicable)

Title

Date of birth
Day of birth day

Day of birth month

Day of birth year

Dependants

Age of dependant

Do you have a driver’s licence?

Licence number
Your contact details

Sorry we are unable to submit your application until all the questions are completed.

, how can we get in touch with you?
Mobile

Home

Work

Email We’ll confirm your submitted application by email and be in touch via phone to continue the process

Confirm email

Preferred contact method We’ll confirm your submitted application by email and be in touch via phone to continue the process

Preferred contact time

Are you available on Public Holidays?

We can also to talk to you about your loan application on state-based public holidays, so let us know if you would like to be contacted on public holidays.

Living arrangements

My address is the same as ’s

I’ve lived here since
In which month did you move in?

In what year did you move in?

Previous address

I lived here from

In which month did you move in?

In what year did you move in?

Until

In which month did you move out?

In what year did you move out?

We need to know the last three years of your residential history. If you have lived at your current address for less than that time please add another address. We may ask you to provide documentation to verify your current residential address.

So far you have accounted for of 36 required months.

, we also need your contact details
Mobile

Home

Work

Email We’ll confirm your submitted application by email and be in touch via phone to continue the process

Confirm email

Preferred contact method We’ll confirm your submitted application by email and be in touch via phone to continue the process

Preferred contact time

Are you available on Public Holidays?

We can also to talk to you about your loan application on state-based public holidays, so let us know if you would like to be contacted on public holidays.

Living arrangements

My address is the same as ’s

I’ve lived here since
In which month did you move in?

In what year did you move in?

Previous address

I lived here from

In which month did you move in?

In what year did you move in?

Until

In which month did you move out?

In what year did you move out?

We need to know the last three years of your residential history. If you have lived at your current address for less than that time please add another address. We may ask you to provide documentation to verify your current residential address.

So far you have accounted for of 36 required months.
Your employment details

Sorry we are unable to submit your application until all the questions are completed.

, tell us about your employment?

Employment details You’ll need to show us the last two years of your financials.

Since
In which month did you start?

In what year did you start?

Your job title

Employer

Contact person

Contact’s number

Previous employment

Employment details

From
In which month did you start?

In what year did you start?

Until

In which month did you leave?

In what year did you start?

Your job title

Employer

We need to know the last three years of your employment history. If you have been at your current employment for less than that time please add another job. We will contact your employer to confirm your employment so please provide us with up to date address and contact details.

So far you have accounted for of 36 required months.

, tell us about your employment?

Employment details You’ll need to show us the last two years of your financials.

Since
In which month did you start?

In what year did you start?

Your job title

Employer

Contact person

Contact’s number

Previous employment

Employment details

From
In which month did you start?

In what year did you start?

Until

In which month did you leave?

In what year did you start?

Your job title

Employer

We need to know the last three years of your employment history. If you have been at your current employment for less than that time please add another job. We will contact your employer to confirm your employment so please provide us with up to date address and contact details.

So far you have accounted for of 36 required months.

Your salary details

Sorry we are unable to submit your application until all the questions are completed.

, how much do you earn

Throughout the application process, we will request documents such as payslips, group certificates, tax returns and bank statements to verify your income.

My gross salary is Before tax and excluding super (gross)

I receive this amount

, how much do you earn

Throughout the application process, we will request documents such as payslips, group certificates, tax returns and bank statements to verify your income.

My gross salary is Before tax and excluding super (gross)

I receive this amount
Other income you may receive

Sorry we are unable to submit your application until all the questions are completed.

Overtime

Amount

Frequency

Commissions & Bonuses

Amount

Frequency

Second job

Amount

Frequency

Rental income

Amount

Frequency

Family tax benefit - part A & B

Amount

Frequency

Parenting payment

Amount

Frequency

Other

Description

Amount

Frequency

, you have indicated your total monthly income is

, do you recieve any other income?

Overtime

Amount

Frequency

Commissions & Bonuses

Amount

Frequency

Second job

Amount

Frequency

Rental income

Amount

Frequency

Family tax benefit - part A & B

Amount

Frequency

Parenting payment

Amount

Frequency

Other

Description

Amount

Frequency

, you have indicated your total monthly income is
What you own (assets)

Sorry we are unable to submit your application until all the questions are completed.

, tell us about the things you own

Property

Value

Do you want to secure the loan against this property?

label

Vehicle

Value

Make

Model

Year

Contents

Value

Savings

Institution

Balance

Investments

Investment type

Value

Other

Description

Value

, tell us about the things you own not listed by

Property

Value

Do you want to secure the loan against this property?

label

Vehicle

Value

Make

Model

Year

Contents

Value

Savings

Institution

Balance

Investments

Investment type

Value

Other

Description

Value

Your costs of living

Sorry we are unable to submit your application until all the questions are completed.

, how much are your combined living expenses?
Food / Housekeeping
Dollars spent on Food / Housekeeping

Frequency

Groceries, food and household supplies.

Utilities
Dollars spent on Utilities

Frequency

Gas, electricity, water, telephone and internet expenses.

Insurance
Dollars spent on Insurance

Frequency

Car, home, health or any other personal insurance.

Transport
Dollars spent on Transport

Frequency

Public transport, petrol, registration and parking expenses.

Education
Dollars spent on Education

Frequency

School fees and school supplies.

Dependant's support
Dollars spent on Dependant's support

Frequency

The amount you spend supporting your children or anyone else financially dependant on you.

Entertainment
Dollars spent on Entertainment

Frequency

Hobbies and social activities such as going to the movies, restaurants and other events.

Rent / Board
Dollars spent on Rent / Board

Frequency

What is the total amount of rent or board you are paying under your rental or accomodation agreement? For joint applicants enter the combined total for you and your partner.

Other
Dollars spent on Other

Frequency

Any other regular or recurring expenses we may have missed.

$0

per month
What you owe (liabilities)

Sorry we are unable to submit your application until all the questions are completed.

, tell us about your debts

Tell us about your existing loans or credit cards. We may ask you for statements of your debts to verify your repayment history.

Mortgage

Institution

Repayments

Frequency

Loan balance

Loan term Years

Is this a debt you would like to refinance with this loan?

label

Personal Loan

Institution

Repayments

Frequency

Loan balance

Loan term Years

Is this a debt you would ...?

label

Overdraft

Institution

Credit limit

Balance owing

Is this a debt you would ...?

label

Credit card

Card type

Institution

Credit limit

Balance owing

Is this a debt you would...

label

Store card

Institution

Credit limit

Balance owing

Is this a debt you would...

label

HECS debt

HECS balance

Other

Description

Repayments

Frequency

Balance owing

Is this a debt you would...

label

, tell us about your debts not listed by

Tell us about your existing loans or credit cards. We may ask you for statements of your debts to verify your repayment history.

Mortgage

Institution

Repayments

Frequency

Loan balance

Loan term Years

Is this a debt you would like to refinance with this loan?

label

Personal Loan

Institution

Repayments

Frequency

Loan balance

Loan term Years

Is this a debt you would ...?

label

Overdraft

Institution

Credit limit

Balance owing

Is this a debt you would ...?

label

Credit card

Card type

Institution

Credit limit

Balance owing

Is this a debt you would...

label

Store card

Institution

Credit limit

Balance owing

Is this a debt you would...

label

HECS debt

HECS balance

Other

Description

Repayments

Frequency

Balance owing

Is this a debt you would...

label

Would you like to discuss potential refinance options with us?

Refinancing involves applying to pay out one or two existing loans in addition to the loan you are applying for. This may mean your repayments become lower as you have refinanced to a lower personal loan rate or extended your loan term.

Please note an enquiry on your Credit Report and a Credit Check will occur when your loan application is submitted.

Your details

Your income

Your expenses

Additional Comments

You are now ready to submit your application. Before you do, let us know if you have any brief comments that support your application or clarify the information you have provided.

Too much! A few less words will ensure we get the message (1800 characters max).

Please note an enquiry on your Credit Report and a Credit Check will occur when your loan application is submitted.

Important information

All applications for credit are subject to People's Choice Credit Union's normal credit assessment and approval criteria and no representation is made that credit will be approved or offered. Terms and conditions apply to all our credit products and fees and charges are payable.

People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL 244310 acts under its own Australian Financial Services Licence and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance (CGU). CGU is the insurer of general insurance (including travel insurance) and mortgage repayment insurance. The insurer of the Life and Trauma cover included in the Mortgage Repayment Insurance and the insurer for the Life Insurance is National Mutual Life Association of Australasia Ltd ABN 72 004 020 437 AFSL No. 234 649 (NMLA), a member of AMP Group. CGU administers the Life and Trauma cover and the Life Insurance cover on behalf of NMLA and CGU's liability under these policies is limited to the administration of that cover including the management of claims. Effective 1 January 2017: The insurer of the Life and Trauma cover is AMP Life Limited ABN 84 079 300 379 AFSL No. 233671 (AMP). CGU administers the Life and Trauma cover on behalf of AMP and CGU's liability under that policy is limited to the administration of that cover including the management of claims. A Product Disclosure Statement (PDS) for each insurance product is available to download from this website or from any of our branches. As none of the information provided on this website takes into account your individual objectives, financial situation or needs, before deciding whether to acquire any insurance product you should obtain and consider the PDS for the product and consider whether the product is appropriate for you taking into account your individual circumstances.

Inactivity warning

For the security of your private information your application will be closed shortly.

If you haven’t already, click Finish later now to save your progress and get an application code to resume later. Otherwise any changes in the form will reset this timer.

Connectivity issue

There has been a connectivity issue.

Unfortunately you have not saved your application, you will need to start again.

Start again

Connectivity issue

There has been a connectivity issue.

Please log-in to resume your application.

Resume

Save your application

Good idea XXXXX and YYYYYY. Now is the perfect time to save.

confirm email

Application saved

Nice one, you have saved your loan application.

Here is your Loan Application Number which has also been emailed to you at EMAILADDRESS.

We will keep your loan application on hold for 30 days.

Sign outFinish application later

Application saved

Your progress is now saved automatically.

To resume later use the Loan Application Number emailed to EMAILADDRESS

Sign outFinish application later

Consolidation loan

Sorry, loans for consolidation are not available online.

We have displayed the rate for an unsecured loan, however we may have other options available.

Consolidating your debt requires some detailed information and a chat. So please visit your closest People’s Choice Credit Union branch or call us on 13 11 82.

Enquiry sent

Thank you for your Home Loan enquiry.

Your enquiry has been successfully submitted. One of our Home Loan Advisers will be in touch within one business day to discuss your options.

I’d like someone to contact me How can we contact you?

Sorry we are unable to submit your enquiry until all the questions are completed.

Your contact details

No problem . Tell us how we can get in touch with you.

It looks like your Home Loan enquiry may require detailed information. Provide your contact details below and we'll call you for a chat.

First name

Last name

Member number (if applicable)

Mobile

Home

Work

Email We will send you an email to confirm your loan application details

Confirm email

Preferred contact method

Preferred contact time

Are you available on Public Holidays?

We can also to talk to you about your loan application on state-based public holidays, so let us know if you would like to be contacted on public holidays.

Current location

Additional comments

Your personal information will be used to contact you about products and services you have indicated that you are interested in and will not be used or disclosed other than in accordance with our Privacy Policy.

I have read and agree to the terms of the Privacy Policy

OK, let’s get the fine print out of the way

Applicant1

Applicant2

I am 18 years of age or over

I am an Australian Citizen / Permanent Resident

I confirm I have not been bankrupt or had any judgements in the last 5 years

I agree to a credit check?

I am currently in paid employment

Privacy

People's Choice Credit Union needs to collect your personal information where we are required by law and to process your application.

We collect, use, disclose and manage your personal information (including credit information and credit eligibility information) in accordance with our Privacy Policy. You can obtain a copy of our Privacy Policy by visiting our website at www.peopleschoicecu.com.au/legal/privacy.

Copies of our Privacy Policy can also be obtained by visiting any of our branches.

Our Privacy Policy outlines how we deal with your personal information, as well as our legal obligations and rights as to that information, in relation to collection, use, disclosure, marketing and privacy for personal information collected via our website. Specifically, our Privacy Policy sets out how you can ask for access to personal information we hold about you and seek correction of that information. It also explains how you can complain about a breach of the Privacy Act or the Credit Reporting Privacy Code, and how we will deal with your complaint.

If you have any questions or concerns about your privacy, confidentiality or access information, contact us on 13 11 82, drop in to your nearest branch or visit www.peopleschoicecu.com.au.

Information that we may disclose to third parties includes:

The fact that you have applied for credit, the amount applied for, and that People's Choice Credit Union is the credit provider
Details of any payments which may become more than 60 days overdue and advice when payments are no longer due
A serious credit infringement which People's Choice Credit Union believes you have committed; and
When credit provided to you has been paid or otherwise discharged

Where you supply us with personal information about another person (for example a joint account holder), you represent that you are authorised to do so; and you agree to inform that person who we are, how to contact us, how to obtain our Privacy Policy, and that we will use and disclose their personal information for the purposes set out in this application and that they can gain access to that information by contacting us.

Applicant1

Applicant2

Do you agree to this?

Is the purpose of the loan:

Wholly or predominantly for personal, domestic or household purposes; or
Wholly or predominantly to purchase, renovate or improve the value of a residential investment property; or
To refinance credit that has been provided wholly or predominantly to purchase, renovate or improve residential property for investment purposes?

Applicant1

Applicant2

Your home loan

Good job! Now you can get started on your Online Home Loan Application.

The application form should take you 15 minutes to complete (allow 20 minutes if you are making a joint application). Once you submit your application, we will contact you within one working day to discuss your application and Home Loan options that may be appropriate for you.

Before you begin, make sure you have considered

the People’s Choice Credit Union Credit Guide
some of the additional costs that are associated with a Home Loan or buying a new property; such as Government costs, Lenders Mortgage Insurance, establishment costs and Finance and conveyancer fees. If you are refinancing, check for potential break costs with your current financial institution.
The Home Loan application process. Click here for more information.

To make your Home Loan application easier have this information handy

Income details – pay slips, child support, pensions, overtime, allowances, rental income, commissions etc
Expense details – utility bills, rent, board, loan repayments, credit and store cards, maintenance, lease payments etc
Asset information – cash savings, value of motor vehicles, shares, bonds, property, furnishings etc
Residential and employment details for the last three years
Driver’s licence number and expiry

Any information entered into this online application will be stored by People’s Choice Credit Union and may be used to contact and assist you with your application. We may request documentation to support and verify the information you provide in your application.

Self Employed, Private Company Directors and Trustee Applicants

If you are Self Employed, a Private Company Director or Trustee, we will ask you to provide your last 2 years of financial documentation to enable your loan to be assessed. The documentation requested depends on how you are trading and may include, but is not limited to;

Copy of the last 2 years Individual Tax Returns
The most recent Notice of Assessment from the Australian Taxation Office
A list detailing all existing liabilities and finance commitments of the business
Copy of the last 2 years Business Tax Returns
Copy of the most recent set of financial statements (Profit & Loss and Balance Sheet) capturing 2 years of trading.

For Private Company Director or Trustee applicants, this documentation will be requested for all directors, shareholders or trustees that will be a borrower on the loan.

Save and return to your loan application if you need to take a break

Resume your application offline with a Home Loan Adviser if you need a hand

Your home loan

Sorry, it looks like we won’t be able to process a loan application online for you.

Instead please call us for a chat on 13 11 82 or visit a branch so we can help you in person. Sometimes it can be more helpful to deal with a real person.

Branch locator

Thanks! We’ll start off with a few easy questions.

Sorry we are unable to submit your application until all the questions are completed.

As this page provides us with an indication of how much you may be able to borrow, please check the accuracy of your responses before selecting ‘Continue’. Based on your responses we may recommend you speak to one of our loan consultants so we can discuss your individual situation and help you find a loan that meets your needs and circumstances.

, tell us a bit about yourself

I am

Dependants are your children or anyone you are supporting financially.

My gross salary is Before tax and excluding super (gross)

I receive this amount

The combined total of any other income I receive is

Other income includes income you are receiving separate to your base salary. This can include government pensions or benefits, parenting payments, rental income or income you may receive from shares and other investments.

I receive this amount

, tell us a bit about yourself

I am

Dependants are your children or anyone you are supporting financially.

My gross salary is Before tax and excluding super (gross)

I receive this amount

The combined total of any other income I receive is

I receive this amount

, tell us a bit about your expenses and liabilities

(Label is computed)

Frequency

(Label is computed)

Please include repayments on any loans you may have such as personal loans, investment loans and interest free or hire purchase. (If you are refinancing or consolidating existing debts with this new loan, please exclude the repayments for that loan).

Frequency

(Label is computed)

Please include the combined credit card limits of any credit cards and store cards. Regardless of whether you owe anything on these cards. (If you are refinancing or consolidating any credit card or store card limits with this new loan, please exclude the limits for those cards).

Sorry we are unable to submit your application until all the questions are completed.

Submitting application…

Your home loan

How can we help you?

It’s all about you

Your contact details

Previous address

Previous address

Your employment details

Previous employment remove

Previous employment remove

Your salary details

Other income you may receive

What you own (assets)

Your costs of living

What you owe (liabilities)

Your details

Your income

Your expenses

Additional Comments

Inactivity warning

For the security of your private information your application will be closed shortly.

Connectivity issue

There has been a connectivity issue.

Connectivity issue

There has been a connectivity issue.

Save your application

Application saved

Nice one, you have saved your loan application.

Application saved

Your progress is now saved automatically.

Consolidation loan

Sorry, loans for consolidation are not available online.

Enquiry sent

Thank you for your Home Loan enquiry.

I’d like someone to contact me How can we contact you?

OK, let’s get the fine print out of the way

I am 18 years of age or over

I am 18 years of age or over

I am an Australian Citizen / Permanent Resident

I am an Australian Citizen / Permanent Resident

I confirm I have not been bankrupt or had any judgements in the last 5 years

I confirm I have not been bankrupt or had any judgements in the last 5 years

I agree to a credit check?

I agree to a credit check?

I am currently in paid employment

I am currently in paid employment

Privacy

Is the purpose of the loan:

Your home loan

Good job! Now you can get started on your Online Home Loan Application.

The application form should take you 15 minutes to complete (allow 20 minutes if you are making a joint application). Once you submit your application, we will contact you within one working day to discuss your application and Home Loan options that may be appropriate for you.

Before you begin, make sure you have considered

To make your Home Loan application easier have this information handy

Self Employed, Private Company Directors and Trustee Applicants

Save and return to your loan application if you need to take a break

Resume your application offline with a Home Loan Adviser if you need a hand

Resume your application offline with a Home Loan Adviser if you need a hand

Your home loan

Sorry, it looks like we won’t be able to process a loan application online for you.

Thanks! We’ll start off with a few easy questions.

, tell us a bit about yourself

, tell us a bit about yourself

, tell us a bit about your expenses and liabilities

Previous employment

Previous employment