An offset account is a savings account linked to a home loan that reduces the amount of interest payable for the home loan. Every dollar in this account is interest free for the home loan. For example, if you have $5,000 in your offset savings account this will result in $5,000 of your home loan being interest free.
Our home loan borrowing calculator helps you work out how much you can borrow and what your repayments would be so that you buy your home with confidence. Go to the Home Loan Borrowing Calculator.
When looking for the cheapest home loan, online comparison tools and calculators as well as speaking with home lenders or mortgage brokers can help you find the best option to suit your needs. Call us on mobile lenders can come to you to help get you started.
Our home loan comparison calculator can be used to show a side by side comparison of our home loan products.
We have a range of different home loan options depending on your deposit, whether you want a fixed or variable rate and whether you are an owner occupier or investor.
To find out more, please contact us on 13 25 77 to speak to a lending specialist or alternatively, you can arrange for one of our mobile lenders to come to you and discuss your needs.
Our home loan borrowing power calculator can estimate your potential borrowing power for both a single application or a joint application.
You could improve your borrowing power by paying off outstanding loans or credit cards, making adjustments to living expenses or by increasing your income.
Once your income and expenses are taken into account, our home loan borrowing power calculator can help estimate how much you could afford to repay each week, fortnight or month.
Our home loan repayment calculator allows you to input additional repayments and calculates how these repayments will reduce your overall amount of interest payable over the life of the loan.
Your ability to afford repayments will depend on a number of factors. Our home loan repayment calculator will break down every detail of your potential repayments to help give you a better idea of what you can afford.
Once you input your loan amount, loan term and loan interest rate, our home loan repayment calculator will work out how much your monthly, fortnightly or weekly repayments could be.
Our home value insurance calculator is very customisable, allowing you to adjust the value of certain items up or down, as well as adding or removing categories as needed.
This will depend on multiple factors such as the amount you wish to borrow, the interest rate and the loan term. Use our home loan repayment calculator to get an in-depth, accurate answer.
A good contents calculator asks the user questions such as the quality and quantity of the contents in the home, as well as supplementary information such as the number of occupants, type of house and more. Try our home value insurance calculator to assist in your valuation estimate.
By using our home contents calculator, you can get an accurate estimate of the value of your contents for insurance purposes.
In the unfortunate event of your property being damaged beyond repair, our building insurance calculator can give you an estimate of the costs involved.
Our calculator allows you to search a database for your address, and by taking into account all the information available relating to your property, will calculate the cost to rebuild your home in the event of damage.
Our building insurance value calculator can help you estimate the value of your home for insurance purposes by taking into account location, property details, features and more. If you’re applying for a home loan with P&N Bank, we may state a minimum amount that the property should be insured for, based off its valuation.
Purchasing a property amounts to much more than just the purchase price. Buyers should be aware of additional costs such as stamp duty, building and pest inspection fees, transfer fees and more. Use our home buying and selling cost calculator to get an accurate breakdown of the costs involved.
There can be numerous costs involved in selling a house that all sellers should be aware of, such as real estate agent fees, settlement fees, advertising fees, conveyancing fees and more. Our home buying and selling cost calculator can help you estimate the total costs involved.
Everybody's financial situation is different and the amount you can invest will depend on many factors. Our budget planner calculator can work out an estimate of how much you could potentially save or invest after all your expenses are deducted from your income.
If you have a financial goal in mind, our budget planner calculator can help you achieve it, by breaking down your total income and expenses into categories to give you a holistic view of your financial position.
With a P&N savings account, you can make additional contributions which will increase the amount of interest you earn. Calculate the amount by using our savings and term deposit calculator.
The maximum length for a P&N term deposit is five years. See how much interest you could earn by using our savings and term deposit calculator.
The amount of interest you can earn with a term deposit will depend on factors such as the interest rate, investment term and deposit amount. Check out our calculator for an accurate answer.
Yes, generally speaking stamp duty will be more expensive for more expensive property or land purchases. For a detailed breakdown of costs, use our stamp duty calculator.
First home buyers may be exempt from paying stamp duty, but it depends on factors such as the value of the home and the state in which the home was purchased. Our stamp duty calculator can help you determine your potential costs, if any.
The amount of stamp duty (transfer duty) payable on the purchase of a property or land varies from state to state. Our stamp duty calculator can give you a detailed breakdown of the costs involved.
Stamp duty (also called transfer duty) is a tax charged by the state and territory governments for certain types of transactions such as the purchase of a property or the purchase of land.
Gross income is the money you earn before deductions such as income tax are removed. Net income is the amount you receive after these deductions. Use our income tax calculator to get an estimate of your income tax based off your gross or net income.
The income tax system in Australia consists of multiple tax brackets, which vary depending on factors such as the amount of taxable income each person earns. To calculate an estimate of your income tax payable, use our income tax calculator.
Our personal loan repayment calculator can give you an in-depth breakdown of your potential repayments, as well as full transparency on interest rates, comparison rates and more.
A secured loan is where an asset is used as collateral or security, such as a motor vehicle to secure the loan, whereas an unsecured loan does not have this security. You can calculate the difference in loan repayments by using our personal loan repayment calculator.
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