BSB 806 015

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BSB 806 015

Bridging Home Loan

A P&N Bank Bridging Loan is the ideal short term finance solution for when you’ve found your next home but haven’t yet sold your existing property.

Loan term

Up to 12 months

Additional repayments


A fully secured, short term property funding loan for members who wish to sell existing property and who have found a new property to purchase, or are purchasing vacant land where building contract or preliminary costing have been entered into.

A P&N Bank Bridging Loan allows you to go ahead and negotiate a new property purchase before selling your existing property.

  • Tides you over - a handy, short term loan (6 - 12 months) for owner occupiers
  • We'll help you borrow what you need - up to 85% of the property value
  • Flexible repayment options - make additional repayments to pay your loan off sooner

Interest Rates

Product Name Rate
Comparison Rate
Bridging Home Loan 5.27% p.a. 5.27% p.a.

Comparison rate based on a loan of $150,000 for a term of 25 years.

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.

On applicable home loans, loan value ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property.

Bridging Loan Fees & Charges

Monthly maintenance fee$0
Establishment fee (includes one valuation)
includes one valuation$0
additional valuationsat cost*
Switch Fee$300

*At cost refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member, which will be passed on to the member.

It’s easy to apply for a home loan with P&N Bank. Simply get all your details ready and choose how to apply.

What you need

  • Your Australian driver's licence or your Australian passport OR your birth certificate or citizenship certificate plus a utility bill
  • Your income details (payslips / if self employed, your tax assessments for the last two years and financial statements)
  • Contact details for your current and previous employer
  • Details of your assets and liabilities (eg. property, loans, shares)

How to get started

In person

Apply for a home loan in person at your nearest branch. Be sure to bring all the documents you need with you.

Over the phone

Call us on 13 25 77 and one of our local loan consultants will help you with your home loan application.

We'll come to you

Meet our mobile lending team and then book a home loan appointment and they’ll visit you at home or at work.

Variable 5.27 % p.a. Interest Rate

5.27 % p.a. Comparison Rate



Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

To use this website you are required to read the Credit Guide (which you agree to be provided by accessing this link). Lending criteria applies. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. Fees and charges are payable.

View Home Loan Terms and Conditions

Create a Home Loan Key Fact Sheet

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