BSB 806 015

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BSB 806 015

& Home Loan Intro Rate

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

12 month intro rate

Variable introductory rate for 12 months

Minimum loan amount

Minimum loan amount $150,000

Limited time only

Offer only available for a limited time

The & Home Loan Intro Rate has no establishment fee, and the flexibility of optional features.

  • 12 month intro rate - for the first 12 months receive a low variable intro rate of 6.74% p.a. You will then revert to the & Home Loan variable rate, currently 7.22% p.a.
  • Flexible loan sizes - obtain a loan that suits your needs starting at $150,000* right up to 95% of the property value.
  • Save money on interest - add in the & Access Account that is 100% offset against your & Home Loan.
  • Pay your loan off sooner - make additional payments and pay your loan off faster.
  • Redraw facility - pay more into your home loan and access the funds when you need them, with no minimum redraw amount.

Optional & Home Loan Intro Rate features

  • & Visa Platinum - a credit card with platinum benefits with the same purchase rate of the & Home Loan variable rate, currently 7.22% p.a^.
  • & Access Account - a transaction account which gives you a 100% balance interest offset against your & Home Loan - with no monthly fee.

Want to get into your first home sooner?

The Home Guarantee Scheme is an Australian Government initiatives to support eligible first home buyers purchase a home sooner. They do this by providing a guarantee that will allow eligible first home buyers to purchase a home with a smaller deposit without needing to pay for Lenders Mortgage Insurance (LMI).

Find out more

Interest rates

Product Name LVR Rate Comparison Rate
& Home Loan Intro Rate* < 95.00% 6.74% p.a. 7.18% p.a.

^The & Visa Platinum credit card purchase rate excludes any intro rate offer.

*Available for a limited time, only for new owner occupier borrowings up to 95% of the property value. Minimum loan amount $150,000 (minimum loan amount applies to new funds borrowed). Rate reverts to & Home Loan rate after 12 months (currently 7.22% p.a.)

& Home Loan fees & charges

Monthly maintenance fee$0
Establishment fee (includes one valuation)
includes one valuation$0
additional valuationsat cost*
Switch Fee$300

Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

It’s easy to apply for an & Home Loan Intro Rate with P&N Bank. Simply get all your details ready and choose how to apply.

How to apply

In person

We can help you apply for a home loan in person at your nearest branch. Be sure to bring along all the documents you'll need.

Over the phone

Call us on 13 25 77 and one of our friendly loan consultants will help you with your home loan application.

We'll come to you

Get in touch with our mobile lending team and book an appointment for a time that suits you. This could be while you're at home or work, or if video appointments are more convenient, we can arrange that too!

What you need

You'll need either primary ID with a photo (ie. passport or driver's licence), or primary ID without a photo (ie. birth certificate or citizenship certificate) plus secondary ID (ie. a utility bill with your name and address on it).

During your application we’ll ask you to provide information, such as:

  • income details (payslips, or if you're self employed, tax assessments for the last two years and financial statements)
  • contact details for your current and previous employer
  • any assets you own (e.g. value of any cars, deposit accounts, properties, etc)
  • any loans, credit cards or other amounts owing

Variable 6.74 % p.a. Introductory rate for 12 months

7.18 % p.a. Comparison Rate

Enquire Request appointment


Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

To use this website you are required to read the Credit Guide (which you agree to be provided by accessing this link.) Lending criteria apply. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. Fees and charges are payable.

View Home Loan Terms and Conditions

Create a Home Loan Key Fact Sheet

View & Visa Platinum Credit Card Fact Sheet

View Credit Card Conditions of Use

View Credit Card Account Access Conditions of Use

The complimentary insurance plans are issued to Cuscal Limited ABN 95 087 822 455 AFSL 244116 by Chubb Insurance Australia Limited ABN: 23 001 642 020; AFSL: 239687 for the benefit of P&N Bank cardholders. The terms and conditions of the complimentary insurance plans for the P&N Bank Platinum VISA credit card are specified in the applicable Policy Information Booklet. Cover is available under the insurance plans for purchases using a current P&N Bank Platinum VISA credit card. The complimentary insurance plans are not a product of, nor guaranteed by P&N Bank.

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.

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. The & Visa Platinum Card is only available to & Home Loan and & Home Loan Intro Rate holders. During any period in which an & Home Loan or & Home Loan Intro Rate is not held, the interest rates and fees applicable to the & Visa Platinum Card will be the P&N Visa Platinum Card interest rates and fees. Only one & Visa Platinum Card is allowed per member. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Please consider any terms and conditions and whether a product is right for you.

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