Interest
6.19%p.a.
Comparison*
6.12%p.a.
Est. repayment
$3,059
LVR ≤90%
People First Bank · Fixed · Updated September 2026
People First Bank Fixed Home Loan Rates, September 2026
People First Bank lists 24 fixed home loans in the Ratesniffers index today. The lowest is 6.19% p.a. (comparison rate 6.12% p.a.) on a 3-year fixed term, on 3 Year Fixed Home Loan Owner Occupied FHB >$500k P&I LMI Waiver. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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People First Bank fixed home loan rates, September 2026
Lowest People First Bank fixed rate by term: 1-year 6.29% p.a. (comparison 6.11%), 2-year 6.24% p.a. (comparison 6.12%), 3-year 6.19% p.a. (comparison 6.12%), 4-year 6.39% p.a. (comparison 6.20%), 5-year 6.39% p.a. (comparison 6.22%).
Interest
6.19%p.a.
Comparison*
6.12%p.a.
Est. repayment
$3,059
LVR ≤80%
Interest
6.24%p.a.
Comparison*
6.12%p.a.
Est. repayment
$3,075
LVR ≤90%
Interest
6.24%p.a.
Comparison*
6.12%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.29%p.a.
Comparison*
6.11%p.a.
Est. repayment
$3,092
LVR ≤80%
Interest
6.29%p.a.
Comparison*
6.15%p.a.
Est. repayment
$3,092
LVR ≤90%
Interest
6.29%p.a.
Comparison*
6.15%p.a.
Est. repayment
$3,092
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
6.39%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.22%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
6.39%p.a.
Comparison*
6.22%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,141
LVR ≤90%
Interest
6.44%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,157
LVR ≤90%
Interest
6.49%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,190
LVR ≤90%
Interest
6.59%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,190
LVR ≤90%
Interest
6.59%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,190
LVR ≤90%
Interest
6.59%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,207
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
People First Bank · Fixed
People First Bank fixed home loans, what to weigh
Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.
See also People First Bank's full product range, repayment calculator, and refinance savings calculator.