Provider
LivePeople First Bank
As of 18 September 2026, People First Bank has 25 products across four of the 8 pillars BankMate tracks: 1 savings account, 17 home loans, 1 term deposit and 6 personal loans. Its highest-placed product is Term Deposit at 5.35% p.a. for 7 months, 3rd of 547 6-month deposits. Its rates last moved on 16 September 2026.
- Pillars
- 4 of 8
- No credit cards, superannuation, share trading…
- Products tracked
- 25
- 1 savings account · 17 home loans · 1 term deposit
- Highest placed
- #3
- Term Deposit · of 547 6-month deposits
- Last change
- 16 Sept 2026
- 5 changes on record
What changed
5 changes across 2 pillars since 1 Mar 2026- Term depositsTerm Deposit · 9 terms up 0.10+0.10
- Term depositsTerm Deposit · 3 terms moved in both directionsmixed
- Term depositsTerm Deposit · 4 terms moved in both directionsmixed
- Term depositsTerm Deposit · 2 terms up 0.1023 days after the RBA rise to 4.35%+0.10
- Savings accountsDream Fund 4.50 → 4.75Bonus rate 4.49% → 4.74% · 14 days after the RBA rise to 4.10%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accountsBalance must grow · bonus up to $100k
5.15%#29 of 940.01% base + 5.14% bonus
- Balance growth
- $1/month
- Balance range
- $0 - $100,000
Full savings accounts record for People First Bank →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for People First Bank · Compare all savings accounts
Home loans · 17
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 12
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 4 variants
6.10%#12 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤70% LVR · redraw · no ongoing fee · 8 variants
6.15%#2 of 81comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤95% LVR · offset account · redraw
7.93%#93 of 107advertised · no comparison rate published
- Application fee
- $600
- Ongoing fee
- $8 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤95% LVR · offset account · no ongoing fee
8.18%#95 of 107comparison · 8.18% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤95% LVR · offset account · redraw · no ongoing fee
8.18%#95 of 107comparison · 8.18% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 7 more
Variable · P&I · Owner-occupier · ≤98% LVR · no ongoing fee
8.80%#99 of 107advertised · no comparison rate published
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤18% LVR · no ongoing fee
8.82%#100 of 107comparison · 8.76% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤10% LVR · no ongoing fee
8.82%#100 of 107comparison · 8.76% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Investor · ≤90% LVR · offset account · redraw · no ongoing fee
8.83%#72 of 81comparison · 8.83% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤90% LVR · offset account · no ongoing fee
8.83%#72 of 81comparison · 8.83% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤80% LVR · offset account · redraw · no ongoing fee
9.03%#67 of 80comparison · 9.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤80% LVR · offset account · no ongoing fee
9.03%#67 of 80comparison · 9.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Fixed · 5
1yr Fixed · P&I · Owner-occupier · 80–95% LVR · redraw · no ongoing fee · 5 variants
1y 6.16%2y 6.20%3y 6.24%4y 6.35%5y 6.40%6.16%#4 of 49comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · Interest Only · Investor · ≤80% LVR · redraw · no ongoing fee · 5 variants
6.29%#3 of 44comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · 80–90% LVR · redraw · no ongoing fee · 5 variants
6.31%#4 of 43comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · ≤95% LVR · redraw · 4 variants
1y 8.54%2y 8.29%3y 8.08%5y 7.75%7.75%#42 of 49comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · ≤90% LVR · redraw · 8 variants
8.12%#35 of 42comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Full home loans record for People First Bank →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or monthly or quarterly · from $0 · 14 terms
3 mo 4.85%6 mo 5.35%9 mo 5.10%1 yr 5.20%2 yr 4.75%3 yr 4.75%5 yr 4.75%4 yr 4.75%5.35%#3 of 5477 months
- 3 months
- 4.85% · #50 of 369
- 6 months
- 5.35% · #3 of 547
- 9 months
- 5.10% · #49 of 500
- 1 year
- 5.20% · #97 of 590
- 2 years
- 4.75% · #156 of 394
- 3 years
- 4.75% · #75 of 345
- 5 years
- 4.75% · #36 of 152
- 4 years
- 4.75% · #51 of 157
- Minimum deposit
- $0
- Interest paid
- Annually or Monthly or Quarterly
- Early withdrawal
- Allowed · If you need to withdraw your Term Deposit before it matures you may need to give us 31 days notice.
Full term deposits record for People First Bank →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 6
Comparison rate · ranked within unsecured or secured loansUnsecured · fixed · car loan · $250 application
6.34%#9 of 212comparison · from 5.99% advertised
- Advertised rate
- from 5.99% p.a.
- Comparison rate
- 6.34% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $100,000
- Loan term
- 1 year to 1 year
Unsecured · fixed · car loan · $250 application
6.84%#27 of 212comparison · from 6.49% advertised
- Advertised rate
- from 6.49% p.a.
- Comparison rate
- 6.84% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $100,000
- Loan term
- 1 year to 1 year
Unsecured · fixed · car loan · $250 application
6.84%#27 of 212comparison · from 6.49% advertised
- Advertised rate
- from 6.49% p.a.
- Comparison rate
- 6.84% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- From $20,000
- Loan term
- 5 years to 5 years
Unsecured · fixed · any purpose · $250 application
8.27%#79 of 212advertised · no comparison rate published
- Advertised rate
- from 8.27% p.a.
- Comparison rate
- Not published
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Unsecured · fixed · debt consolidation · $250 application
9.35%#109 of 212comparison · from 8.99% advertised
- Advertised rate
- from 8.99% p.a.
- Comparison rate
- 9.35% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $5,000 – $30,000
- Loan term
- 1 year to 1 year
Show 1 more
Unsecured · fixed · car loan · $250 application
10.73%#147 of 212comparison · from 8.99% advertised
- Advertised rate
- from 8.99% p.a.
- Comparison rate
- 10.73% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- From $2,000
- Loan term
- 5 years to 5 years
Full personal loans record for People First Bank →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
People First Bank has no credit cards, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on People First Bank
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