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Speak with a home lender
  • Roy Morgan Bank of the Year for Customer Satisfaction in 2023 & 2024
  • WA grown & based, community-focused, and customer-owned for 50+ years

Why choose P&N Bank for your first home loan?

Whether you're north or south of the river, we’ll help you get into your first home – with the right support and options from the start.

Smaller deposits

As a participating lender in the Australian Government 5% Deposit Scheme, you may be able to buy with a smaller deposit.

Great home loan rates

Our fixed and variable options offer competitive rates to help you get ahead from day one.

Flexible options

Make extra repayments, access redraw, add an offset, or split your loan – it’s designed to work around you.

Fast approvals

We keep things moving, with mobile, virtual and in-branch lenders ready to help you get approved sooner.
Get in touch with a home loan specialist

Home loans, the WA way

Competitive rates and flexible options to help you find the right fit and get started sooner.

Basic Variable Home Loan

A no frills home loan with no ongoing fees and a low variable interest rate.

From

5.88
% p.a.
Variable rate
5.91
% p.a.
Comparison rate*
Learn about the Basic Variable Home Loan

Offset Variable Home Loan

A variable rate loan that provides flexibility to use your savings to reduce the interest you pay.

From

5.92
% p.a.
Variable rate
5.95
% p.a.
Comparison rate*
Learn about the Offset Variable Home Loan

Fixed Rate Home Loan

Enjoy certainty in repayments when you fix your home loan from one to five years.

2 years fixed from

6.54
% p.a.
Fixed rate
6.17
% p.a.
Comparison rate*
Learn about the Fixed Rate Home Loan

Get a clear picture with our home loan calculators

Whether you want to see what your repayments might be or how much you could borrow, our calculators help you make decisions you can feel good about.

Home loan repayment calculator

Calculate repayments

Home loan borrowing power calculator

Calculate borrowing power

Everything you need to get started

We're here to help

Make a home loan enquiry

Drop us your details and a home loan specialist will get back to you.
Enquire now

Ready to apply?

Set up a phone, video, or in-person appointment with one of our home loan specialists.
Request an appointment

Talk to our friendly team

Got a question? Call us on 13 25 77 or pop into your nearest branch.
Contact us

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. Credit eligibility criteria, terms & conditions, fees & charges apply. 

Please consider the terms and conditions and whether a product is right for you. 

*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.