BSB 806 015

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BSB 806 015

Home loans

Whether you're looking to buy a new home, refinance an existing loan or access the equity in your property, we've got a range of home loans with competitive rates and flexible options for you to choose from.

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We're ready to help

No matter what stage you're at when it comes to buying a home, we're here to help you from application to settlement, as well as answer any questions that come up along the way.

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  • In one of our 14 branches
  • At your home or workplace
  • Video appointment with our virtual lending team
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Are you after more information? One of our experienced home lenders will get in touch with you to answer any questions you may have.

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What will my repayments be?

Use our home loan repayment calculator to get an estimate of how much your principal and interest repayments will be.

Get started by entering your property value and loan amount and click 'show my repayments'. Select your loan type and you'll be able to choose from our available loan products.

Frequently asked questions

  • Which home loan is right for me?

    When choosing your home loan, it's important to work out what features you’re after and how much you’ll end up paying over the life of the loan. The type of loan you end up with will also depend on the purpose of your application and your personal circumstances.

    Whether you're buying your first home, your next home or even an investment home, we have a range of options and home loan calculators that can help you along the way.

    To find out how to apply for a home loan, you can request an appointment online or call us on 13 25 77 to speak with one of our home loan specialists. Alternatively, one of our mobile lenders can come to you to help get you started.

  • How do I find the cheapest home loan?

    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 13 25 77 to speak with a lending specialist, or one of our mobile lenders can come to you to help get you started.

  • How can I compare home loan rates?

    Our home loan comparison calculator can be used to show a side by side comparison of our home loan rates and 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.

  • How much can I borrow with a home loan?

    When you want to get a home loan, our lenders will calculate how much you can borrow (borrowing power) based on your salary and regular monthly expenses. The more money you have leftover after your regular expenses, like food, utilities, rates and insurance, the higher your borrowing power will be.

    Use our borrowing power calculator to get an estimate of how much you could borrow and what your loan repayments would be for a home loan.

  • How big of a deposit do I need to get a home loan?

    If you’re buying your first home, with P&N Bank you could borrow with a loan to value ratio of up to 95%. At minimum a 5% deposit is required including settlement fees and Lenders Mortgage Insurance (LMI) fees. LMI fees will apply if you don’t have a 20% deposit plus settlement fees.

    You may qualify to take out (LMI) for deposits less than 20% of the property value. Alternatively, the Governments First Home Loan Deposit Scheme is available to help new borrowers get into their first homes with deposits from 5% of the property value for qualifying applicants.

  • What’s the difference between variable and fixed rate home loans?

    With home loans, interest rates can be variable or fixed. A variable interest rate can change at any time and is typically adjusted in response to external market factors (like the RBA changing the official cash rate). In contrast, a fixed interest rate stays the same during the fixed rate period of the loan, giving you certainty as to what your repayments will be during that time.

    Variable and fixed rate loans come packaged with different features like redraw facilities and offset accounts that are worth considering when choosing between the two options.

Not what you're looking for?


The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. The calculations do not take into account any product features or fees and charges that may be charged to your loan or fees such as Lenders Mortgage Insurance, which if applicable will add to the cost of your loan and repayments. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Lending criteria applies to the approval of credit products. Terms and conditions apply and are available on request. Fees and charges are payable.

Calculator by Widget Works

Credit products issued by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. Target Market Determinations (TMDs) are available for products.

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.

View Home Loan Key Fact Sheets

View LMI Information Fact Sheet

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