BSB 806 015

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BSB 806 015

Manage your home loan

Is the fixed rate term of your home loan close to ending? Or perhaps you're after a loan with an offset account. Whatever your circumstances, we can help.

Switching a home loan can feel overwhelming, but we're here to answer some questions and help make the process feel easier.

Want to start the switch process?


Get in touch with us to see if you’re eligible to switch your loan.


Have an appointment with one of our Home Loan specialists to select a new loan.


If eligible and a suitable product chosen then new contracts will need to be signed.

Frequently asked questions

  • Is there a cost to switch my home loan?

    There is a one off switch fee of $300 per loan product.

  • How long does it take for my home loan to be switched?

    The switch can take up to 12 business days after we have received the signed contract. This timeframe is a guide only and is subject to change. 

  • How do I know when my current fixed rate home loan is due to expire?

    We will notify you in the final 2 months of your fixed term via your preferred contact method to advise when your fixed loan is due to expire. This email will include information about what product the loan will change to, the new interest rate and the new repayment amount.

  • My fixed loan is expiring soon, what do I need to do?

    This is the perfect time to reassess your needs and financial solution. There are three options of what to do with your loan.

    Fix your loan again: Speak to one our home loan specialists to refix your home loan for a further 1-5 years.

    Split, Combine or Switch your loan product: Speak to one of our home loan specialists to look at other potential variable home loan products that might better suit your needs (such as a product that has the option of a redraw facility or offset account). You are also able to combine your ending fixed loan with an existing variable loan, or you can split the ending fixed loan into part variable part fixed.

    Revert: If you don’t do anything when the term of your fixed rate home loan is up, the interest rate will revert to a ‘standard’ variable rate set by the bank viewable here. This rate may be higher than the rate you’ve been fixed on and could increase your monthly repayments. The interest rate and product your loan will revert to will be noted on the letter that is sent to you.

  • How do I switch my home loan?
    1. Call through to our contact centre on 13 25 77 to book an over the phone or in branch appointment.

    2. Attend a branch to speak to one of our home loan specialists or branch managers (please note appointment may be required).

    3. Complete the home loan enquiry online form and one of our home loan specialist will be in touch.

  • Do I need to change my repayments if I change my loan?

    Potentially, if you would like to amend to the new minimum monthly repayment or increase your current repayments. Otherwise your existing repayment will remain on the loan. Remember it is your responsibility to ensure that your minimum monthly payment is met. 

  • How do I make changes to my repayments?

    There are three ways you are able to change your repayments. Remember you are only able to manually edit a payment you have set up yourself.

    1. Log in to your Internet Banking or Banking App to edit your scheduled payments. 

    2. Contact us on 13 25 77 and we can assist making the change for you.

    3. Attend your nearest branch.



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.

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