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

Fixed Rate Home Loan

Fix your mortgage payments from 1 to 5 years.

Fixed loan term

1 - 5 years

Rate lock in

Yes

Split rate option

Yes

 

Our Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate for 1 to 5 years, plus flexible repayment options during the fixed term.

  • Peace of mind - enjoy a fixed interest rate for 1 to 5 years and a variable rate thereafter.
  • Convenient repayments - choose from monthly payroll deduction, auto transfer, direct debit or [email protected]™.
  • For loans of all sizes - obtain a loan that suits your needs starting at $20,000 right up to 95% of the property value.
  • Borrowing less than 80%? - Enjoy a lower fixed rate when you borrow less than 80% of the value of your property.
  • Flexible options - our split rate home loan option allows you fix a portion of your loan and pay variable rates on the rest.

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

Owner Occupied

Product Name LVR Term Rate
(Fixed)
Comparison Rate
Fixed Rate Home Loan < 80.00% 1 Year 3.09% p.a. 2.84% p.a.
Fixed Rate Home Loan > 80.00% 1 Year 3.24% p.a. 2.86% p.a.
Fixed Rate Home Loan < 80.00% 2 Year 3.59% p.a. 2.95% p.a.
Fixed Rate Home Loan > 80.00% 2 Year 3.74% p.a. 2.98% p.a.
Fixed Rate Home Loan < 80.00% 3 Year 3.94% p.a. 3.10% p.a.
Fixed Rate Home Loan > 80.00% 3 Year 4.04% p.a. 3.13% p.a.
Fixed Rate Home Loan < 80.00% 4 Year 4.54% p.a. 3.39% p.a.
Fixed Rate Home Loan > 80.00% 4 Year 4.59% p.a. 3.41% p.a.
Fixed Rate Home Loan < 80.00% 5 Year 4.64% p.a. 3.55% p.a.
Fixed Rate Home Loan > 80.00% 5 Year 4.74% p.a. 3.60% p.a.

Investor

Product Name LVR Term Rate
(Fixed)
Comparison Rate
Fixed Rate Home Loan < 80.00% 1 Year 3.29% p.a. 3.24% p.a.
Fixed Rate Home Loan > 80.00% 1 Year 3.49% p.a. 3.25% p.a.
Fixed Rate Home Loan < 80.00% 2 Year 3.79% p.a. 3.33% p.a.
Fixed Rate Home Loan > 80.00% 2 Year 3.99% p.a. 3.36% p.a.
Fixed Rate Home Loan < 80.00% 3 Year 4.24% p.a. 3.49% p.a.
Fixed Rate Home Loan > 80.00% 3 Year 4.44% p.a. 3.54% p.a.
Fixed Rate Home Loan < 80.00% 4 Year 4.64% p.a. 3.70% p.a.
Fixed Rate Home Loan > 80.00% 4 Year 4.84% p.a. 3.77% p.a.
Fixed Rate Home Loan < 80.00% 5 Year 4.79% p.a. 3.86% p.a.
Fixed Rate Home Loan > 80.00% 5 Year 4.99% p.a. 3.95% p.a.

Fixed Rate Home Loan fees & charges

Monthly maintenance fee$0
Establishment fee (includes one valuation)
includes one valuation$0
additional valuationsat cost*
Rate lock-in fee$650
Break cost fee
The break cost fee may apply if the Fixed Rate Home Loan is paid out any time prior to the term of the fixed rate period
Switch Fee$300

*At cost refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member, which will be passed on to the member.

It’s easy to apply for a Fixed Rate 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

Fixed from 3.09 % p.a. Interest Rate

2.84 % p.a. Comparison Rate

Enquire Request appointment

Disclaimer

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 applies. 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

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. Home loan rate after fixed period reverts to the Variable Home Loan rate (currently from 2.82% p.a.).


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