Compare home loans. With so many different home loans available, comparing them can be confusing. Our home loan comparison calculator simplifies things, so you can easily look at two different home loans side-by-side and break down the key differences.
Buy sooner with a smaller deposit
Eligible borrowers can access lower deposit options through the Australian Government 5% Deposit Scheme. Speak to a home lender to find out more. Get started
Other home loan calculators
Whether you’re buying a new home, or refinancing your existing loan, it pays to crunch the numbers. Our calculators are here to help make the dollars make sense.
Home loan repayment calculator
Home loan key fact sheet
We're here to help
If you want to talk home loans, we've got you. Or if you want to check out our products or find out more about that property you're looking at, we can help with that too.
Check out our home loans
Online property reports
Your home loan comparison questions answered
A loan's comparison rate is made up of the standard interest rate as well as any fees and charges associated with the loan. This helps you to know the true cost of a loan so you can compare loans accurately and make informed decisions when using comparison sites or considering different loan.
You can use the compare table on our home loan pages to compare interest rates and key features of our home loan products.
Another option is to use our home loan comparison calculator to easily see a side-by-side comparison of our home loans, taking into account factors such as the interest rate, the loan value and term, whether you're looking at a fixed or variable rate, and whether you're an owner occupier or investor.
There are also comparison websites available such as Canstar, Mozo and Info choice to help you compare your P&N Bank home loan with different lenders in market, but keep in mind not all available home loans will be shown on each site.
If you pay more than the minimum monthly repayment to your home loan each month, you may be able to pay your loan off faster and save on interest. The actual savings will depend on factors such as the frequency and amount of your extra payments.
Our home loan repayment calculator lets you see how paying extra to your home loan could reduce the amount of interest you’ll pay over the life of your loan. And as they say, seeing is believing.
If you have an existing home loan with P&N Bank there is a Home Loan switch fee that applies.
Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Eligibility criteria, terms & conditions, fees & charges apply.
The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. The calculations do not take into account any product features or fees and charges that may be charged to your loan or fees such as Lenders Mortgage Insurance, which if applicable will add to the cost of your loan and repayments. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Lending criteria applies to the approval of credit products. Terms and conditions apply and are available on request. Fees and charges are payable.
Calculator by Widget Works
Please consider the terms and conditions and whether a product is right for you.
- View the home loans terms & conditions
- View the home loan fees and charges
- View credit guide
- Create a Home Loan Key Fact Sheet
- View LMI Information Fact Sheet
- View Target Market Determinations (TMDs)
*Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
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.
^If you are borrowing more than 80% of the property’s value (Loan to Value Ratio), Lenders Mortgage Insurance (LMI) may be required. Borrowing up to 95% includes LMI costs.
†This discount is available for eligible applications received from 01/07/2026 and may be amended, withdrawn, or extended at any time without notice. Applications received prior to any amendment or withdrawal will still be eligible for the discount in accordance with the terms in effect at the time of submission.
Not available for broker originated applications or applications through our branches, mobile lenders, or contact centre.
Offer available on eligible owner-occupied Basic Variable Home Loans with new borrowings or top-ups of at least $100,000 and an LVR of 80% or less. Discount is not available on loans for construction purposes or any other product, including Basic Variable Home Loans with an LVR above 80%.
Discount cannot be used in conjunction with any other home loan offer.