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Kick back and relax with a no-frills home loan, with no ongoing fees and a low variable interest rate.
Our basic home loan
Our & Basic Home Loan has no establishment or monthly fee.
Low rate
Variable interest rate of 6.59% p.a. for new owner occupier borrowings up to 95% of the property value.
Redraw available
Pay more into your home loan and access the funds when you need them.
Our & Basic Home Loan has no establishment fee, no monthly fee and stacks up with much more:
| ⬤ | Pay off your loan sooner – you can make additional payments on your & Basic Home Loan, to help pay off your mortgage sooner. |
| ⬤ | Loans up to 95% of the property value – borrow up to 95% of the property value so you can get into your home sooner. |
| ⬤ | Borrowing less than 60%? – Enjoy a lower rate when you borrow less than 60% of the value of your property. |
| ⬤ | We're here to make you home loan savvy – our First Home Buyers Hub gives you all the information you need to understand the home buying process. From knowing how much of a deposit you'll need, to helping you understand all the terms you'll come across. |
| ⬤ | We can come to you – when you’re on the clock, our Mobile Home Loan Specialists can work around it. We’ll come to you and make your home buying journey easy; night or day, seven days a week, or even set up a video call, to make buying a home or refinancing easier. |
Interest rates
| Product name | LVR | Interest rate | Comparison rate |
| & Basic Home Loan | < 60.00% | 6.09% p.a. | 6.10% p.a. |
| < 80.00% | 6.14% p.a. | 6.15% p.a. | |
| < 95.00% | 6.59% p.a. | 6.60% p.a. |
We're ready to help
No matter what stage you're at when it comes to buying a home, we're here to help you from application to settlement, as well as answer any questions that come up along the way.
Book an appointment
- In one of our 14 branches
- At your home or workplace
- Video appointment with our virtual lending team
Make an enquiry
Are you after more information? One of our experienced home lenders will get in touch with you to answer any questions you may have.
Enquire now
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Important Information
Credit products issued by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. The Target Market Determination (TMD) for this product is available on request. 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. 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.