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Save time and money

Low rates. No monthly or establishment fees. And fast approvals.

Flexible terms

Offset your home loan. Make extra repayments and redraw later.

Personal support

On the phone or virtually. In your local branch. At your home or work.


Our profits go back into the bank. Your bank.

What's your home loan refinancing goal?

Are you looking to refinance your home loan to a better rate? Perhaps it's time to renovate and you're wanting to top up your loan? 

No matter the reason for refinancing, we offer a range of home loans that we can tailor to suit you. And with our home loan experts on your team, it’ll be easy.

Yes, we did just use ‘easy’ and ‘refinancing’ in the same sentence.

Home loans to meet your refinancing needs

& Basic Home Loan

A no frills home loan with no ongoing fees and a low variable interest rate.

% p.a.
Variable rate
% p.a.
Comparison rate*
  • No ongoing monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 95% LVR (including LMI)

Offset Home Loan

A variable rate loan that provides flexibility to use your savings to reduce the interest you pay.

% p.a.
Variable rate
% p.a.
Comparison rate*
  • No ongoing monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 95% LVR (including LMI)

Fixed Rate Home Loan

Fix your mortgage payments from 1 to 5 years.

% p.a.
2 year fixed rate
% p.a.
2 year comparison rate*
  • No ongoing monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 95% LVR (including LMI)

Refinance your home loan in six easy steps

Think it through

You need to know why you’re refinancing. What are your priorities and non-negotiables?

Get in touch

Next, book an in-person appointment – at a branch or your home or place of work – or a virtual meeting with one of our home loan specialists.

Apply for your home loan

We’ll need your photo ID if you’re not already a P&N customer. Plus, some extra info such as what you earn, owe, own and spend.

Get approval

You won’t have to wait long. We’ll assess your home loan application quickly. If we need any more information from you, we’ll get in touch.

Sign your contract

We’ll send your contract to you, or you can sign it at your local branch. Some of our branches are even open on Saturdays if you can't make it during the week!

Your banking, levelled up

With endless banking options to choose from and a team of experts behind you, you won't regret refinancing with us.

Refinance on your terms

When it comes to refinancing, it's worth crunching the numbers with our home loan calculators to see how the savings could add up.

Compare our home loans to see which one will suit you. And then, more importantly, get an estimate of what your new repayments could be.

Comparison calculator

Repayment calculator

Looking for something a little more specific?

Reverse Mortgage Home Loan

A home loan for those aged 65 years and over to access the equity in your home.

Equity Access Home Loan

A line of credit home loan you can use your equity to finance other major expenses – holiday, car, renovations.

Investor home loans

If you're looking to refinance your current home loan, we have a range of investor home loans to suit your needs.

We’re here to help

Drop us your details and a home loan specialist will get back to you.

Ready to apply?

Set up a phone, video or in-person appointment with one of our home loan specialists.

Talk to our friendly team

Got a question? Call us on 13 25 77 or pop into your nearest branch.

Learn more about refinancing your home loan

Most of our existing home loan customers can switch to another of our home loans, however there are some exceptions.  

To confirm your eligibility, please call us on 13 25 77 and speak with one of our experienced home loan specialists.

When you split your home loan you can divide your debt into multiple loans (e.g. a fixed rate loan and a variable rate loan). This may help you to reduce the impact of interest rate fluctuations while retaining the features and benefits you want. 

For example, a fixed rate loan gives you the confidence of knowing how much your repayments will be and protects you against rate rises. In comparison, a standard variable rate loan allows you to make extra repayments and gives you the flexibility to redraw them at any time, providing you meet the relevant requirements to do so.

If you'd like to speak to a home loan specialist to see if a split home loan can benefit you, please contact 13 25 77 or book an appointment online.

If a cashback offer is available to you for refinancing your home loan, it will be advertised on our website.

Please note, this offer is not always available and eligibility criteria apply when it is.

A discharge or refinance authority is used to release the security (e.g. your property) that you’ve provided for a home loan. This means the bank will no longer hold security over your property.

You can use a discharge or refinance authority if you’ve sold your property and plan to pay off your loan in full.

Please call us on 13 25 77 if your require a discharge or refinance authority.

Yes, your loan account number will change if you combine loans. A new loan is created combining both of your previous loans together.

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. Credit 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.