Discount Variable - Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.84%p.a.
Comparison*
5.86%p.a.
Monthly repayment
$2,947
LVR 70–80%
People's Choice and Heritage
Active products
51
Lowest variable
5.64%
Lowest fixed
6.29%
Lowest comparison
5.65%
Last updated
15 Apr 2026
People's Choice (now merged with Heritage Bank) is one of Australia's largest customer-owned banks, headquartered in Adelaide. The merged entity continues to operate dual brands while consolidating onto a shared product set. Variable and fixed home loans bundle offset and redraw on the Anytime Plus package.
1 People's Choice and Heritage home loan products
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