Standard Fixed Rate Home Loans - Owner Occupied

As of 18 September 2026, the People First Bank Standard Fixed Rate Home Loans - Owner Occupied 's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.75% (6.39% advertised), ranking 42nd of 49 5-year fixed owner-occupier P&I loans. The product comes in 4 variants; the others are other fixed terms.

7.75%comparison rate p.a.

6.39% advertised · 5yr Fixed · P&I · Owner-occupier · ≤95% LVR

3 other variants: other fixed terms below.

Go to People First Bank

Rate over time

Comparison rate · 5yr Fixed · P&I · Owner-occupier · ≤95% LVR

Standard Fixed Rate Home Loans - Owner Occupied · 5yr 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 · ≤95% LVR: 8.54% comparison · 6.29% advertised
2yr Fixed · P&I · Owner-occupier · ≤95% LVR: 8.29% comparison · 6.24% advertised
3yr Fixed · P&I · Owner-occupier · ≤95% LVR: 8.08% comparison · 6.29% advertised
5yr Fixed · P&I · Owner-occupier · ≤95% LVR: 7.75% comparison · 6.39% advertised

Fees

Headline variant

Application fee: None
Ongoing fee: $8 a month
Discharge fee: $345
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

Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.

Compare all home loans