Get the facts before you get the home loan. With so many different home loans available, comparing them can seem a bit daunting… but never fear! A key facts sheet is here to help you choose the right home loan for you.
How do I generate a home loan key facts sheet?
To generate a home loan key facts sheet (KFS) you will need to enter some information about the loan. Firstly, you’ll need to select the P&N Bank home loan of your choice from the drop-down list. We’ll then need to know the property value, the loan amount, and the term of the loan (which can be a maximum of 30 years). You’ll then get a detailed key facts sheet based on the information you’ve provided, and this can be used to compare home loans from P&N Bank and other financial institutions. It’s even laid out in a simple format to make comparisons easier!
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Your home loan comparison questions answered
A home loan key fact sheet summarises the important information about a loan and is laid out in a consistent format, making is easier for you to compare loans from P&N Bank with other lenders.
It will provide you with the estimated cost of the loan, including:
- loan repayment per month
- loan repayment per year
- loan establishment fee
- the total amount to be paid back (including loan amount and fees), and
- the total you'll pay back per $1 borrowed.
All credit providers are required to make a key facts sheet available in a consistent format.
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.
Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit 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.
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Please consider the terms and conditions and whether a product is right for you.
- View terms & conditions
- View 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.