The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

41 products · 5 categories · changed 23 Sept 2026

People First and Heritage Bank.

Credit cards 3 Personal loans 6 Home loans 18 Term deposits 2 Savings & transaction accounts 12

Credit cards · 3Compare across banks →

Secured Business Visa Credit Card

Purchase rate: 10.65%
Cash advance: 10.65%
Interest-free days: 40

Unsecured Business Visa Credit Card

Purchase rate: 12.95%
Cash advance: 12.95%
Interest-free days: 40

Visa Credit Card

Purchase rate: 12.95%
Cash advance: 12.95%
Interest-free days: 1

Personal loans · 6Compare across banks →

Fixed: 6.49% · 6.84% comparison
Loan size: $20,000 to no maximum
Upfront fee: $250

Discounted Personal Loan

Fixed: 6.49% · 6.84% comparison
Loan size: $20,000 to no maximum
Upfront fee: $250

Fixed: 5.99% · 6.34% comparison
Loan size: $20,000 to no maximum
Upfront fee: $250

Staff Personal Loan

Fixed: 8.27%
Loan size: $2,000 to no maximum
Upfront fee: $250

Standard Personal Loan Fixed

Fixed: 8.99% · 9.35% comparison
Loan size: $5,000 to no maximum
Upfront fee: $250

Unsecured Personal Loan

Fixed: 8.99% · 10.73% comparison
Loan size: $2,000 to no maximum
Upfront fee: $250

Home loans · 18Compare across banks →

Basic Variable Home Construction

Variable (owner occ. P&I): 8.18% · 8.18% comparison
Max LVR: 95%
Features: offset, extra repayments

Basic Variable Home Loan

Variable (owner occ. P&I): 8.18% · 8.18% comparison
Max LVR: 95%
Features: offset, redraw, extra repayments

Basic Variable Investment Construction

Variable (investor P&I): 8.83%
Max LVR: 90%
Features: offset, extra repayments

Basic Variable Investment Construction - IO

Max LVR: 80%
Features: offset, extra repayments

Basic Variable Investment Loan

Variable (investor P&I): 8.83%
Max LVR: 90%
Features: offset, redraw, extra repayments

Basic Variable Investment Loan - Interest Only

Max LVR: 80%
Features: offset, redraw, extra repayments

Discount Variable - Investment

Variable (investor P&I): 6.14%
Max LVR: 95%
Features: redraw, extra repayments

Discount Variable - Owner Occupied

Variable (owner occ. P&I): 5.99% · 6.00% comparison
Max LVR: 95%
Features: redraw, extra repayments

Fee Assistance Loan - Sub

Variable (owner occ. P&I): 0.00%
Features: extra repayments

Fixed Home Loan

Fixed: 1 yr 6.89% · 2 yrs 6.94% · 3 yrs 6.84% · 4 yrs 6.94% · 5 yrs 6.94%
Max LVR: 95%
Features: redraw, extra repayments

Fixed Investment Loan

Max LVR: 90%
Features: redraw, extra repayments

Fixed Investment Loan - Interest Only

Max LVR: 80%
Features: redraw, extra repayments

Home Build Access (HBA) Deposit Assist Loan

Variable (owner occ. P&I): 8.76% · 8.82% comparison
Max LVR: 10%
Features: extra repayments

Home Build Access (HBA) Low Deposit

Variable (owner occ. P&I): 8.76% · 8.82% comparison
Max LVR: 17.5%
Features: extra repayments

Home Build Access (HBA) SIL

Variable (owner occ. P&I): 8.80%
Max LVR: 98%
Features: extra repayments

Staff Home Loan

Variable (owner occ. P&I): 7.93%
Max LVR: 95%
Annual fee: $96

Standard Fixed Rate Home Loans - Investment

Max LVR: 90%
Annual fee: $96
Features: redraw, extra repayments

Standard Fixed Rate Home Loans - Owner Occupied

Fixed: 1 yr 6.49% · 2 yrs 6.54% · 3 yrs 6.54% · 5 yrs 6.54%
Max LVR: 95%
Annual fee: $96

Term deposits · 2Compare across banks →

Best rate: 5.45% for 7m
12 months: 5.20%
Min deposit: $1,000

Best rate: 5.45% for 7m
12 months: 5.20%
Min deposit: $1,000

Savings & transaction accounts · 12Compare across banks →

Business Access Account

Base rate: 0.01%

Community and Business Access

Pricing: Rates on application

Community and Business Saver

Base rate: 1.35%

Base rate: 0.01%
Bonus rate: 5.14%
Up to: 5.15%

Everyday Account

Pricing: Rates on application

Mortgage crusher

Pricing: Rates on application

Pricing: Rates on application
Monthly fee: $14

Online Saver Account

Base rate: 3.20%
Bonus rate: 1.40%
Up to: 4.60%

Simply Access Transaction Account

Base rate: 0.01%

Target Bonus Account

Base rate: 0.01%
Bonus rate: 4.24%
Up to: 4.25%

Youth Simply Access Transaction Account

Base rate: 0.01%

Youth Target Bonus Account

Base rate: 0.01%
Bonus rate: 4.24%
Up to: 4.25%

Published by People First and Heritage Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.

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