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Have you previously started a home loan application online? If so you can resume your application by clicking the button
Sorry you are unable to continue until all required questions are completed.
Mortgage Repayment Insurance provides you with cover to assist you through difficult times. We have a range of Mortgage Repayment Insurance options to help you with the right level of cover for your repayments if you ever need it.
A secured loan is where a lender obtains a mortgage over your property, such as the house you are purchasing or another property you may own. 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.
We offer a great range of general insurance products and we are happy to discuss your options.
Peace of mind that your repayments won’t change. There may be a limit to the number of additional payments before fees are charged. Break costs may be applicable for early repayments or loan payouts.
Flexibility to pay your loan off sooner. Interest rates may change meaning your repayments may increase or decrease over the period of your loan.
An Offset Account acts like a regular savings account but also works to reduce the amount of interest you pay on your loan.
Speak to us about options on how you can own your home sooner.
Available on Variable Rate Loans. Access the extra repayments made on your loan providing the benefit of greater flexibility to manage your money.
An approved loan balance you may deposit into or draw from at any time within the approved limit and term. Requires financial discipline to ensure balances are paid on time
A Package offers discounts on various People’s Choice products where the Home Loan amount is greater than $150,000 and your payroll is received in your People’s Choice account.
Only repay the interest charged to your loan on a monthly basis, making your repayments lower. Only making interest repayments during an Interest Only term means your loan balance will not reduce 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.
Sorry we are unable to submit your application until all the questions are completed.
We are still available to talk to you about your loan application on state based public holidays. Let us know if this is OK or if you prefer a break.
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 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.
We will request documentation to verify your different types of income. Documentation may include, but is not limited to; payslips, Group certificates or tax returns and statements.
, you have indicated your total monthly income is
Groceries, food and household supplies.
Gas, electricity, water, telephone and internet expenses.
Car, home contents, building, health or any other personal insurance.
Public transport, petrol, car registration and parking fees.
School fees and school supplies.
Children or anyone you are supporting financially.
Going out, movies, restaurants and other events.
For Single and Joint Applications, enter the combined total amount of rent or board you and your partner are required to pay under your rental or accommodation agreement.
Any other expenses we have missed.
$0
per month
We may ask you to provide statements for your current debts to verify your payment history.
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.
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.
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.
Unfortunately you have not saved your application, you will need to start again.
Please log-in to resume your 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.
To resume later use the Loan Application Number emailed to EMAILADDRESS
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.
Your enquiry has been successfully submitted. One of our Home Loan Advisers will be in touch within one business day to discuss your options.
Sorry we are unable to submit your enquiry until all the questions are completed.
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.
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.
People’s Choice Credit Union needs to collect your personal information where we are required by law and to process your application. People’s Choice Credit Union may need to exchange your personal information with third parties (including credit reporting bodies, credit providers, guarantors, mortgage insurers or any other person we are authorised to or required by law) to confirm its accuracy, to confirm your creditworthiness, to assess the risk of providing products to you and where relevant to confirm details in relation to your commercial activities.
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 – www.peopleschoicecu.com.au – and clicking on the ‘Privacy’ link on our home page. 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, access by you, marketing, privacy for personal information collected via our website and how we deal with your privacy questions and complaints.
Information that we may disclose to third parties includes:
Do you agree to this?
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.
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;
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.
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.
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.
Other income includes income you may receive separate to your employment income. This includes Government Pensions or Benefits, Parenting Payments, net rental income or other net income you may receive from shares and investments
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).
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).
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