Whether you’re starting out as a first home buyer, looking to refinance from another bank or want to switch up your existing home loan, we have a range of owner-occupier loans with loads of options to help you pay off your home loan sooner. After all – that’s the one dream we do all have in common.
And as our customers and owners are one and the same, our profits get reinvested back into the bank – which means we can provide better interest rates, products and services.
Popular home loans
Basic Variable Home Loan
A no frills home loan with no ongoing fees and a low variable interest rate.
From
Offset Variable Home Loan
A variable rate loan that provides flexibility to use your savings to reduce the interest you pay.
From
Fixed Rate Home Loan
Fix your mortgage payments from 1 to 5 years.
1 year fixed from
Apply online for a discounted rate
Eligible borrowers can access a 0.20% p.a. discount on the standard Basic Variable Home Loan rate when they apply online.
Discounted rates from
Specialty home loans
Bridging Loan
Bridge the financing gap between finding your new home and selling your existing one.
Reverse Mortgage Home Loan
A home loan for those aged 65 years and over to access the equity in their property.
Equity Access Home Loan
A line of credit home loan you can use to finance major expenses.
What will your repayments be?
Use our handy calculator to work out what your repayments might be. Or see the difference it makes to your loan term if you make payments weekly, fortnightly, or monthly.
Home loan repayment calculator
More calculators
Expand your home loan knowledge
Tips for saving money on your home loan
Interest rates have risen, but there are still some things you can do save money on your home loan. Find out how to save with these helpful tips.
Home loan jargon and features, explained
This article explains some of the common features of a home loan as well as some of the jargon you'll hear when looking to purchase your first home.
Fixed rate home loans vs. Variable rate home loans
In this article we’ll compare fixed rate home loans and variable rate home loans and explain the potential positives and potential negatives of each.
A local team of specialists you can trust
More local knowledge from our team of experts means less time wasting for you. We know you’ve got better things to do.
We'll come to you
Ready to apply?
Talk to our friendly team
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.
- View the home loans terms & conditions
- View the home loan 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.
^If you are borrowing more than 80% of the property’s value (Loan to Value Ratio), Lenders Mortgage Insurance (LMI) may be required. Borrowing up to 95% includes LMI costs.
†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 amendment or withdrawal will still be eligible for the discount in accordance with the terms in effect at the time of submission.
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.