Home loan · 1yr Fixed
Fixed Home Loan
6.36%comparison rate p.a. · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · ≤80% LVR
9th of 50 1-year fixed owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.36% comparison · 6.49% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.40% comparison · 6.89% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.38% comparison · 6.54% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.46% comparison · 6.94% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.40% comparison · 6.54% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.52% comparison · 6.94% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.42% comparison · 6.54% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.57% comparison · 6.94% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.43% comparison · 6.54% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.61% comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Fixed Home Loan · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
October 20262 changes
- 13Tue
- 10 variants up 0.14 to 0.2213 days after the RBA rise to 4.60%+0.14 to +0.22All P&I · Owner-occupier
1yr Fixed · ≤80% LVR 6.14 6.36 +0.22 1yr Fixed · 80–95% LVR 6.18 6.40 +0.22 2yr Fixed · ≤80% LVR 6.18 6.38 +0.20 2yr Fixed · 80–95% LVR 6.26 6.46 +0.20 3yr Fixed · ≤80% LVR 6.22 6.40 +0.18 3yr Fixed · 80–95% LVR 6.34 6.52 +0.18 4yr Fixed · ≤80% LVR 6.26 6.42 +0.16 4yr Fixed · 80–95% LVR 6.41 6.57 +0.16 5yr Fixed · ≤80% LVR 6.29 6.43 +0.14 5yr Fixed · 80–95% LVR 6.47 6.61 +0.14
- 8Thu
- 3-year fixed owner-occupier P&I 6.31 → 6.348 days after the RBA rise to 4.60%+0.03
September 20261 change
- 23Wed
- 5 variants up 0.02 to 0.07+0.02 to +0.07All P&I · Owner-occupier · 80–95% LVR
1yr Fixed 6.16 6.18 +0.02 2yr Fixed 6.20 6.26 +0.06 3yr Fixed 6.24 6.31 +0.07 4yr Fixed 6.35 6.41 +0.06 5yr Fixed 6.40 6.47 +0.07
With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances.
Also from People First Bank: Basic Variable Home Loan 6.35% · Basic Variable Loan 6.40% · Fixed Loan 6.52%
As of 1 November 2026, the People First Bank Fixed Home Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.36% (6.49% advertised), ranking 9th of 50 1-year fixed owner-occupier P&I loans. The product comes in 10 variants; the others are other fixed terms and other LVR bands. Its rate last moved on 13 October 2026, 13 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.