It's our way of saying thank you.

Our essential workers keep our communities safe. As they continue to do this during the COVID-19 pandemic, we want to show our appreciation and say thank you. This is why we've introduced our Essential Services Package, which helps eligible essential workers with home and investment loans.

How can the Essential Services Package help me?

The package offers the following benefits for both home and investment loans:
  • No LMI for up to 90% LVR

    To avoid paying Lenders Mortgage Insurance (LMI), you generally need to have a 20% deposit, which gives you a Loan to Value Ratio (LVR) of 80%. With our Essential Services Package, you can borrow up to 90% LVR and we'll waive the LMI fee.

  • Discounted interest rate

    Even if you're borrowing over 80% LVR, you'll be given a discounted interest rate for your home or investment loan. The maximum borrowed amount is 90% LVR. 
  • Cashback if you refinance to us

    If you refinance your home or investment loan to People's Choice, and your LVR is less than 80%, you'll still be able to get our cashback offer with our Essential Services Package. T&Cs apply, visit our dedicated page for full details.

Who is eligible for the Essential Services Package?

To be eligible, you'll need to be one of the following essential workers:
  • A registered nurse
  • A fully qualified paramedic
  • A sworn in state or federal police officer

What else do I need to know?

To qualify for our Essential Services Package, you'll need to meet income requirements. These vary depending on a joint or sole application. For joint applications only one person is required to qualify - you don't both need to be essential workers.

    Our home and investment loans

    Our Essential Services Package can be used for an owner-occupied home or an investment property. We have a range of home and investment loans to suit your needs.

    Compare home loans

    If you aren’t sure which loan will be best for your needs, our comparison tool is a great place to start.

    Tools and calculators

    • Buying a home

      No matter where you are on your home buying journey, we're here to help you get the home you really want. 
    • Investing in property

      Build your wealth with property investment for capital growth, income and more. We can provide advice on the right strategy and loans to maximise your investment.

    Speak to a Relationship Manager

    Get in touch with us today to find out more about our Essential Services Package.