Ready to start your next chapter?
With flexible home loans and award-winning service, P&N Bank has been supporting Western Australians through life’s big moments for over 50 years.
Our Basic Variable Home Loan – a simple, no-frills solution designed to help you save on your existing home loan or move into your new home sooner. With a competitive rate, no ongoing fees, and flexible features, we make it easy for you to take the next step with confidence.
Why choose P&N Bank for your home loan?
Great home loan rates
Our fixed and variable home loans offer competitive rates to help you get ahead.
Flexible options
From extra repayments and redraw, to offset accounts and the option to split your home loan.
Fast approvals
We won’t keep you waiting – our mobile, virtual, and in-branch lenders can help you get approved quickly.
Personalised service
Friendly, genuine support from people who care – from Perth to Bunbury, and everywhere in between.
Home loans that move with you
Competitive rates and flexible options – so you can find a home loan that feels
Basic Variable Home Loan
A no frills home loan with no ongoing fees and a low variable interest rate.
From
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- Offset account available
- Up to 95% LVR (including LMI)
Offset Variable Home Loan
A variable rate loan that provides flexibility to use your savings to reduce the interest you pay.
From
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- Offset Account Available
- Up to 95% LVR (including LMI)
Fixed Rate Home Loan
Enjoy certainty in repayments when you fix your home loan from one to five years.
2 years fixed from
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- Offset account available
- Up to 95% LVR (including LMI)
A local bank Australians trust, delivered with an award-winning touch.
With back-to-back wins as Bank of the Year in the 2023 and 2024 Roy Morgan Customer Satisfaction Awards, our focus on service means you get more than just a great home loan – you get a team that’s with you every step of the way.
Take a look at our handy home loan calculators
Whether you want to see how much you could borrow or compare two loans side-by-side, our calculators help you make decisions you can feel good about.
Home loan borrowing power calculator
Home loan comparison calculator
Let’s talk home loans
How do I get pre-approval for a home loan?
Six of the most common questions when it comes to getting pre-approval, also known as conditional approval, to help you on your journey.
Should you refinance your home loan?
Refinancing your home loan can save you thousands over the life of your loan. Here are four tips on how you could do it in four easy steps.
Redraw vs. offset: What’s the difference?
If you are trying to decide between an offset and redraw, and want the best option for your circumstances, we can help.
We're here to help
Make a home loan enquiry
Drop us your details and a home loan specialist will get back to you.
Ready to apply?
Set up a phone, video, or in-person appointment with one of our home loan specialists.
Talk to our friendly team
Got a question? Call us on 13 25 77 or pop into your nearest branch.
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.
- 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.