Interest
5.99%p.a.
Comparison*
5.99%p.a.
Est. repayment
$2,995
LVR ≤70%
People First Bank · Variable · Updated September 2026
People First Bank Variable Home Loans, September 2026
People First Bank lists 12 variable home loans in the Ratesniffers index today. The lowest is 5.99% p.a. (comparison rate 5.99% 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 variable home loan rates, September 2026
Interest
5.99%p.a.
Comparison*
5.99%p.a.
Est. repayment
$2,995
LVR ≤70%
Interest
6.09%p.a.
Comparison*
6.09%p.a.
Est. repayment
$3,027
LVR 70–80%
Interest
6.09%p.a.
Comparison*
6.09%p.a.
Est. repayment
$3,027
LVR 70–80%
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR ≤70%
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR ≤70%
Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR 70–80%
Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR 70–80%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤70%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤70%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70–80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70–80%
*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 · Variable
People First Bank variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also People First Bank's full product range, repayment calculator, and refinance savings calculator.