Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤70%
People First Bank · Owner-occupier · Updated October 2026
People First Bank Owner-occupier Home Loans, October 2026
People First Bank lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 6.24% p.a.), on Basic Home Loan <70% LVR Owner Occupied P&I.. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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People First Bank owner occupier home loan rates, October 2026
Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤70%
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 70 to 80%
People First BankBasic Home Loan 80% - 90% LVR >$500k Owner Occupied P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 80 to 90%
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 70 to 80%
People First BankBasic Home Loan 80% - 90% LVR >$500k Owner Occupied P&I LMI Waiver
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 80 to 90%
Interest
6.44%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,141
LVR ≤90%
Interest
6.44%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,157
LVR ≤90%
Interest
6.49%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,174
LVR ≤90%
Interest
6.54%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,174
LVR ≤90%
Interest
6.54%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,174
LVR ≤90%
Interest
6.54%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,174
LVR ≤90%
Interest
6.54%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,174
LVR ≤80%
People First BankBasic Home Loan 80% - 90% LVR <$500k Owner Occupied P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,240
LVR 80 to 90%
People First BankBasic Home Loan 80% - 90% LVR <$500k Owner Occupied P&I LMI Waiver
VariableOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,273
LVR ≤90%
Interest
6.89%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,290
LVR ≤90%
Interest
6.94%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,306
LVR ≤90%
Interest
6.94%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,306
LVR ≤90%
*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 · Owner-occupier
People First Bank owner-occupier home loans, what to weigh
People First Bank's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison 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 owner-occupier option has the same price.
See also People First Bank's full product range, repayment calculator, and refinance savings calculator.