BSB 806 015

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BSB 806 015

Home Loans

It's true that buying a home is one of the biggest financial decisions you'll ever make - but we're here to help you through the process. With competitive interest rates, low fees and flexible repayment options, you're sure to find a home loan to suit you at P&N Bank.

Choose the Home Loan that's right for you

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Product name

Interest Rate

Comparison Rate

Overview

Establishment fee

Monthly fee

Interest only payment option available

Extra payments allowed

Redraw available

100% offset account available

Minimum loan amount

Maximum loan term

Maximum Loan Value Ratio

Loan purpose

 

3.89 % p.a. Interest Rate

3.89 % p.a. Comparison Rate

  •  

    & Home Loan

    P&N's lowest variable rate

  •  

    & Visa Platinum

    Purchases at the same rate as the & Home Loan

  •  

    & Access Account

    No ongoing monthly fee

  •  

    Insurance

    Protect your investment and be rewarded

Establishment fee

$0

Monthly fee

$0

Interest only payment option available

Extra payments allowed

Redraw available

100% offset account available

Minimum loan amount

$10,000

Maximum loan term

30 years

Maximum Loan Value Ratio

90% for new and existing members (inclusive of LMI)

Loan purpose

Owner occupied

From 4.64 % p.a. Interest Rate

4.68 % p.a. Comparison Rate

Our 'no frills' home loan, with a low variable interest rate, flexible payments and redraw facility.

Establishment fee

$650

Monthly fee

$0

Interest only payment option available

Extra payments allowed

Redraw available

100% offset account available

Minimum loan amount

$10,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for existing members
(inclusive of LMI)
(must be a member for 3 months)

90% for new members
(inclusive of LMI)

Loan purpose

Owner occupied and investment

Remove

From 3.89 % p.a. Interest Rate

5.04 % p.a. Comparison Rate

Fix your mortgage payments for up to 5 years.

Establishment fee

$650

Monthly fee

$8

Interest only payment option available

Extra payments allowed

Redraw available

100% offset account available

Minimum loan amount

$20,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for existing members
(must be a member for 3 months)
 (inclusive of LMI)

90% for new members  
 (inclusive of LMI)

Loan purpose

Owner occupied and investment

Remove

5.64 % p.a. Interest Rate

n/a % p.a. Comparison Rate

A flexible, mortgage secured overdraft facility with full transactional capability and a competitive variable interest rate.

Establishment fee

$650

Monthly fee

$10

Interest only payment option available

Extra payments allowed

Redraw available

100% offset account available

Minimum loan amount

$20,000

Maximum loan term

Revolving

Maximum Loan Value Ratio

90%

Loan purpose

N/A

Remove

6.24 % p.a. Interest Rate

6.37 % p.a. Comparison Rate

A reverse mortgage option with a competitive variable interest rate for those wanting to access the equity in your home.

Establishment fee

$850

Monthly fee

N/A

Interest only payment option available

Extra payments allowed

Redraw available

100% offset account available

Minimum loan amount

$10,000

Maximum loan term

Maximum Loan Value Ratio

35%

Loan purpose

N/A

Remove

How much can I borrow?
If you're not sure which home loan is right for you or how much you can borrow then try our loan calculators. You can compare home loans to see which best suits your needs, work out how much you can borrow, or even how much you could save by switching your existing home loan.

Things to know
With home loans available in Perth and regional WA, we offer

  • Residential loans and investment loans
  • Variable rate, fixed rate, and split rate loans
  • Principal and interest and interest only options

Buying a home
For a low variable rate home loan with bags of extras, our Home Loan & Bag is perfect for homebuyers. Take out an & Home Loan at our lowest variable rate, and choose to include extras such as & Visa Platinum credit card - with the same low rate as the & Home Loan for your purchases or an & Access Account - with no monthly fees and 100% offset against your & Home Loan.

Investing in property
Thinking about investing in property? We have competitive interest rates for investors, including interest only repayment options and redraw facilities to give you the freedom you need.

Refinancing made easy
Switching from an existing home loan may seem like too much hassle, but it can save you a lot of money in the long run. We make refinancing your loan easy with our simple application process, and our mobile lenders will even come to you to get you started.

Apply today
With our simple application process and fast approvals, applying for a home loan with P & N Bank couldn't be easier. Our mobile lenders can come to you, even on weekends, and talk you through the best option for your home lending needs.

Hints & tips
For more tips on buying a home or investment property and a range of helpful articles on how to get the most from your money, check out our How to section.

Not what you're looking for?

What you need to know

Comparison rate based on a loan of $150,000 for a term of 25 years.

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.

On applicable home loans, Loan Value Ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property.

Rates stated are subject to change without notice. Fees and charges are payable. Lending Criteria applies to the approval of credit products and Terms and Conditions are applicable which are available on request.

 

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