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We’re a bank for everyone. And we understand that everyone’s needs are different, and that they change over the course of a lifetime. From building to retiring, we're here to help – no matter where you are on your journey.

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 specialty home loans

Reverse Mortgage Home Loan

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

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Variable rate
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Comparison rate*

Equity Access Home Loan

A line of credit home loan you can use to finance major expenses.

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Variable rate

Bridging Loan

Bridge the financing gap between finding your new home and selling your existing one.

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Variable rate
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Comparison rate*

Other handy things you might find useful

Home equity explained

We’ve explained what home equity is, how it can be used and how you can grow the equity in your own home.

How to finance your home renovations

See what options are for you that can help you complete your home renovations the way you want to, without having to DIY or skimp on the essentials.

Unlock your home equity with a reverse mortgage

We are one of a handful of lenders to offer eligible over 65s access to the equity in their home with a reverse mortgage. 

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.

Ready to apply?

Set up a phone, video or in-person appointment with an investment loan specialist.

We’re here to help

Drop us your details and an investment loan specialist will get back to you.

Talk to our friendly team

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

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.