BSB 806 015

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Following the Reserve Bank of Australia's announcement on Tuesday 3 May, we have released information on interest rate changes. View details

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BSB 806 015

Buying your first home

It’s true that buying a home is one of the biggest decisions you’ll make, but we’re here to help. From knowing how much of a deposit you'll need, to helping you understand all the new terms you'll come across – you can trust our experienced lenders to guide you along the way.

View our home loans


Dollar sign in red circle icon For a limited time only, take out a home loan or refinance your home with P&N Bank and you could get $3,000 cashback. Find out more.

Choose the home loan that's right for you

Compare home loans

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Product name

Interest Rate

Comparison Rate

Overview

Establishment fee

Monthly fee

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

Maximum Loan Value Ratio

Minimum loan amount

Loan purpose

 

Variable 2.64 % p.a. Interest Rate

3.08 % p.a. Comparison Rate

All the benefits and features of our flexible & Home Loan, at a special introductory rate for 12 months*.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members with new & Home Loan borrowings

Minimum loan amount

$150,000

Loan purpose

Owner occupied

Remove

Variable from 2.09 % p.a. Interest Rate

2.09 % p.a. Comparison Rate

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

Establishment fee

$0

Monthly fee
 
100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

90%

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

Variable 3.12 % p.a. Interest Rate

3.12 % p.a. Comparison Rate

Great value variable rate home loan with no ongoing fees and flexible features like a 100% offset account and optional low rate credit card.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

Variable 2.82 % p.a. Interest Rate

2.82 % p.a. Comparison Rate

A variable rate home loan with a 100% offset option and an added benefit of no ongoing fees.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members
(inclusive of LMI)

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

Fixed from 3.09 % p.a. Interest Rate

2.84 % p.a. Comparison Rate

Fix your mortgage payments from 1 to 5 years.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new & existing for owner occupied (inclusive of LMI)

90% for new & existing for Investment (inclusive of LMI)

Minimum loan amount

$20,000

Loan purpose

Owner occupied and investment

Remove

How much can I borrow?

Use our home loan borrowing calculator to find out how much you could borrow based on your income and expenses, and what your repayments will be.

Alternatively, if you want to compare home loans to see which best suits your needs or find out how much you could save over the life of your loan by making extra repayments, then take a look at our other home loan calculators.

Find out what your property is worth

Buy your first home with confidence

Buying your first home can seem daunting, but we’re here to help make the process as easy as possible.

For many first home buyers, the First Home Owners Grant may be just what you need to kick start your home ownership goals, and if you're in serious deposit savings mode it's worth checking out these tips to save for your home deposit.

Our Home Loan Specialists will be there with you every step of the way, and our mobile lenders can even come to you to help get you started.

We're ready to help

No matter what stage you're at when it comes to home ownership, we're here to help you from application to settlement. Book an appointment with one of our home loan specialists in a branch, over video call, or we can even come to you at a time that suits.

Need more information? Enquire now.Speak to a lending specialist. Call 13 25 77.Visit a branch. Book appointment.Mobile lender to visit you. Book appointment.

Disclaimer

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.

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

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