Buying your home with us | Home Loans | Heritage Bank

Buying your home with us

In March 2023, Heritage Bank and People’s Choice Credit Union merged to form Heritage and People’s Choice Limited. “Heritage Bank” and “People’s Choice Credit Union” are the brands that we operate under. We are currently offering People’s Choice-branded home loans to certain new-to-bank members located in New South Wales. To find out more about our People’s Choice-branded products on offer, please read further below.

As Heritage Bank and People's Choice Credit Union come together, we are exploring how we can offer our products more effectively as Australia’s leading member-owned bank. Over time we will transition to a single new brand with a single set of products, systems and processes.

As part of this transition we are running a program in your area where Heritage Bank members will be provided with products from our People’s Choice brand, rather than Heritage Bank brand.

You will be supported every step of the way by our home loan specialists, and putting members first remains our commitment to you. There are some differences in the two sets of products, and both offer similar rates. 

 
Find out how we can help you

How we can help you

Try our home loan calculator below to see which of our People's Choice-branded home loan products might suit your situation. We have variable and fixed loans available for both owner occupied and investment purposes.

See "Things you should know" below

Help banking with People's Choice

Who is People’s Choice Credit Union?

People’s Choice Credit Union and Heritage Bank are one organisation. In March 2023, Heritage Bank and People’s Choice Credit Union merged to form Heritage and People’s Choice Limited, Australia’s leading member-owned banking organisation. The combined organisation has approximately 720,000 members, 1,900 employees, 95 branch and service locations, and more than $23 billion in total assets. As a merged organisation, we remain absolutely committed to the interests of our members and to contributing to the communities we serve. 

While we have come together as a single organisation, we will continue to operate under the People’s Choice and Heritage Bank brands whilst we are on the journey to a single brand, with one single set of products, systems and processes.  As part of that journey, we are running a program  where home loan journeys started by new-to-bank customers in Heritage branches located at Castle Hill, Macquarie Park and Parramatta, or home loan journeys started by NSW based new-to-bank customers online or through the contact centre, will be directed to People’s Choice-branded products. Members who are directed to People’s Choice branded products, will have access to similar    rates offered through Heritage Bank branded products.  
 

Why are People’s Choice products being offered?

By bringing the two like-minded organisations together, we have the scale needed to deliver more for members through better products, services, digital capabilities, and competitive pricing.  Part of that journey in bringing the two organisations together is the integration of products/services and technical platforms. New to bank members in NSW who apply online, through the call centre or at the Heritage Bank branches at Castle Hill, Macquarie Park and Parramatta will be given access to People’s Choice home loans and other products as part of a program exploring how we integrate the product offerings of the new merged organisation. 

Can I do any banking at the Heritage Bank branches?

No. People’s Choice has branches in South Australia, Victoria, and Northern Territory. If you need to contact People’s Choice about your membership, you can also call their National Contact Centre on 13 11 82. 

Where are People’s Choice branches located?

People’s Choice has branches in South Australia, Victoria, and Northern Territory. If you need to contact People’s Choice about your membership, you can also call their National Contact Centre on 13 11 82. 

How can People’s Choice help me with my everyday banking?

Our friendly lending specialists will help you set up your membership. Once you are a member, you can use your People’s Choice Visa Debit Card over the counter at People’s Choice branches or online, with payWave or on your eligible smartphone. To learn more about how you can open your People’s Choice transaction account and activate your Visa Debit Card click here

People’s Choice also offers a free, convenient and secure way to access your People’s Choice accounts anytime and anywhere through the People’s Choice  App and People’s Choice Internet Banking. You can view your People’s Choice account history, pay your bills, send and receive money with Fast Payments, open new People’s Choice accounts, and much more.
 

Where can I withdraw cash from my People’s Choice account?

If you’re not located near a People’s Choice branch or People’s Choice ATM , you can withdraw cash from a Heritage  Bank ATM (no fees charged), at another major financial institution’s ATM (such as the Big Four banks), at supermarket checkouts or participating retailers using EFTPOS facilities. 

People's Choice also offers the convenience of Bank@Post to their members. This means you can make deposits and withdrawals on eligible accounts at participating Post Offices.
 

Where can I do a cash deposit if I need to?

If you need to make a cash deposit and are not located near a People’s Choice branch, People's Choice has a relationship with Australia Post through the Bank@post program, meaning you can make a deposit into your People's Choice account using your card, at any of the participating Australia Post Offices.

We're here to help

Our Lending Specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, tap here to get in touch with us in the way that suits you.