& Home Loan

The & Home Loan is a variable rate, flexible home loan for owner occupiers borrowing up to 95% of the property value. It comes with an optional offset account and a credit card that has the same interest rate as your home loan for purchases, so you can benefit from a range of features.

• Flexible loan sizes - obtain a loan that suits your needs starting at $50,000 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.

Optional & Home Loan features

• & Visa Platinum - a credit card with platinum benefits with the same purchase rate of the & Home Loan variable rate, currently 3.12% 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 First Home Loan Deposit Scheme New Home Guarantee is an Australian Government initiative to support eligible first home buyers purchase a home sooner. It does this by providing a guarantee that will allow eligible first home buyers to purchase a home with a deposit of as little as 5% without needing to pay for Lenders Mortgage Insurance (LMI).

Find out more

& Home Loan fees & charges

It’s easy to apply for an & Home Loan 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