Skip to main content

Apply online and enjoy a rate discount

Start your application for a Basic Variable Home Loan online and, if approved and settled, you could receive a 0.20% p.a. discount on our variable rate.^

This online application is suitable for home loans on properties you intend to live in (owner-occupied).

Who this is for

  • New home loans, or
  • Refinancing from another lender, or
  • Topping up a P&N Bank home loan for at least $100,000
  • Borrowing at least $100,000
  • Loan-to-value ratios (LVR) of 80% or less inclusive of fees
Start your application

Who this isn't for

  • Investment properties
  • Construction or building
  • Loans with an LVR above 80% inclusive of fees
  • Loans worth less than $100,000

If this sounds like you, get in touch and one of our home loan specialists will help you find the right option.

Request an appointment

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. 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.

^This discount is available for eligible applications received from 01/07/2026 and may be amended, withdrawn, or extended at any time without notice. Applications received prior to any withdrawal will still be eligible for the discount.

Not available for broker originated applications or applications through our branches, mobile lenders, or contact centre.

Offer available on eligible owner-occupied Basic Variable Home Loans with new borrowings or top-ups of at least $100,000 and an LVR of 80% or less. Discount is not available on loans for construction purposes or any other product, including Basic Variable Home Loans with an LVR above 80%. 

Discount cannot be used in conjunction with any other home loan offer.