^If you have an existing home loan, ‘Loan Duration’ is the remaining term of your loan. *Terms, conditions, fees, charges and lending criteria apply. Rate current for new business applications from 1 November 2018 and is subject to change at any time. Borrower must qualify for a Home Loan Package. Current Annual Fee of $395 applies. A 1.61%p.a. discount applied to the Standard Variable rate. Resulting rate 3.69%p.a. Maximum LVR is 90.00%. Minimum new borrowings $100,000 applies. *Comparison rate based on a $150,000 loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. **Our calculations assume that the information you have entered is accurate, that the repayment amount you have entered is the repayment amount required to pay off your existing loan in equal instalments over its remaining term, and that (in relation to both your existing loan and the People’s Choice loan) interest rates, interest calculation methods, repayments and credit fees and charges do not change and you pay all amounts payable when they fall due, and they do not take into account any costs you may incur in discharging your existing loan and mortgage(s). While every effort has been made to ensure the accuracy of our calculations, the calculated savings are not guaranteed to be accurate and should be regarded as indicative only. The calculated repayment amount is not a quote. Lending criteria apply, and your use of the calculator does not imply that a loan offer will necessarily be made to you if you apply. People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd, ABN 11 087 651 125 acts under its own Australian Financial Services Licence (AFSL 244310) and Australian Credit Licence (244310). In Western Australia our Financial Planning is provided through Financial Solutions Australasia Pty Ltd ABN 36 008 939 599 AFSL 244308, a 100% owned subsidiary of Australian Central Credit Union Ltd, trading as People’s Choice Credit Union.