Fixed Home Loan

As of 18 September 2026, the People First Bank Fixed Home Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.16% (6.69% advertised), ranking 4th of 49 1-year fixed owner-occupier P&I loans. The product comes in 5 variants; the others are other fixed terms.

6.16%comparison rate p.a.

6.69% advertised · 1yr Fixed · P&I · Owner-occupier · 80–95% LVR

4 other variants: other fixed terms below.

Go to People First Bank

Rate over time

Comparison rate · 1yr Fixed · P&I · Owner-occupier · 80–95% LVR

Fixed Home Loan · 1yr Fixed · P&I · Owner-occupier
RBA cash rate

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates by variant

Comparison rate · advertised rate

1yr Fixed · P&I · Owner-occupier · 80–95% LVR: 6.16% comparison · 6.69% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR: 6.20% comparison · 6.64% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR: 6.24% comparison · 6.59% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR: 6.35% comparison · 6.79% advertised
5yr Fixed · P&I · Owner-occupier · 80–95% LVR: 6.40% comparison · 6.79% advertised

Fees

Headline variant

Application fee: None
Ongoing fee: None
Discharge fee: $350
Redraw fee: None

Features

Headline variant

Offset account: No
Redraw: Yes
Extra repayments: Yes
Portable: No
Repayment holiday: No

Eligibility

Minimum loan: $20,000

About this product

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.

Compare all home loans