The People's Choice Basic Variable Home Loan offers variable rates from 5.39% p.a. (5.40% p.a. comparison rate*). Low deposit home loans.
Updated 18 July 2025
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Variable
5.39%
5.40%
Variable Index
7.68%
7.68%
If you're searching for a basic home loan with an offset account, then the People's Choice Basic Variable Home Loan is worth considering. As one of People's Choice's more basic home loan offerings, it features variable interest rates across the Owner Occupier and Investor categories. Further details about the People's Choice Basic Variable Home Loan benefits are outlined below.
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$0 establishment fee
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$0 annual fee
Other fees may apply.
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No ongoing fees
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Save interest with an offset account
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Make extra repayments
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Redraw extra repayments that you have made
Before applying for this product, you should read the Target Market Determination (TMD) available here on the People's Choice website.