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  • Roy Morgan Bank of the Year for Customer Satisfaction, three years running
  • WA grown & based, community-focused, and customer-owned for 50+ years

Why refinance your home loan with P&N Bank?

We’ll help you get it sorted – with the right support, options, and maybe over a long mac topped up (it’s the WA way).

Competitive rates

See if you could save with a more competitive home loan rate.

Easy to switch

We’ll guide you through the refinance process and help make switching simple.

Options to suit you

From offset accounts and redraw to split loans, find features that suit how you manage your money.

Local support

Friendly, genuine support from people who care – with local lenders to help, right here in WA.
Get in touch with a home loan specialist

Find a better home loan fit

Compare home loans and rates to see if switching could work in your favour.

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

Run the numbers on your refinance

Compare loans and estimate your repayments to see if switching could work in your favour.

Home loan repayment calculator

Calculate repayments

Home loan comparison calculator

Compare home loans

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.