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Great rates

Competitive interest rates – fixed or variable.

Flexible repayments

Pay extra and redraw, with offset options available.

Fast approvals

Mobile, virtual and in-branch lenders to help you get answers (and approval) fast.

Personalised service

From Perth metro, to Bunbury, and everywhere in between.

Choose the home loan that suits you

& Basic Home Loan

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

From
6.24
% p.a.
Variable rate
From
6.25
% p.a.
Comparison rate*
  • No establishment or monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 95% LVR (including LMI)
Learn more Enquire

Offset Home Loan

A variable rate loan that provides flexibility to use your savings to reduce the interest you pay.

From
6.39
% p.a.
Variable rate
From
6.40
% p.a.
Comparison rate*
  • No establishment or monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 95% LVR (including LMI)
Learn more Enquire

Fixed Rate Home Loan

Fix your mortgage payments from 1 to 5 years.

From
5.99
% p.a.
2 year fixed rate
From
6.24
% p.a.
2 year comparison rate*
  • No establishment or monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 95% LVR (including LMI)
Learn more Enquire

& Investor Basic Loan

A no frills investment home loan with no application or ongoing fees.

From
6.29
% p.a.
Variable rate
From
6.30
% p.a.
Comparison rate*
  • No establishment or monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 90% LVR (including LMI)
Learn more Enquire

& Investor Loan

A variable rate investment loan that comes with an optional offset account and no ongoing fees.

From
6.49
% p.a.
Variable rate
From
6.50
% p.a.
Comparison rate*
  • No establishment or monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 90% LVR (including LMI)
Learn more Enquire

Fixed Rate Home Loan

Fix your mortgage payments from 1 to 5 years.

From
6.39
% p.a.
2 year fixed rate
From
6.48
% p.a.
2 year comparison rate*
  • No establishment or monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 90% LVR (including LMI)
Learn more Enquire

Switch your home loan and save with P&N Bank

Find out what your repayments could be, and how much you can you save by bringing your existing home loan over to P&N Bank. Because who doesn’t like saving money?

Repayment calculator

Calculate repayments

More calculators

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Why choose P&N Bank?

Unlike the bigger banks, our customers and owners are one and the same, so there’s no conflict with shareholders. P&N Bank is all about you.

Our mission is to offer West Aussies a refreshing banking choice. And as WA's largest customer-owned bank, we make achieving your financial goals easier by reinvesting our profits back into our products and services. We help you take control of your finances and give you a hand with your banking when you need it.

When you choose to bank with us, you’re not just another customer; you’re an important piece of the puzzle that makes us who we are. 

Discover the P&N difference

More helpful home loan info

First home buyer checklist

Buying your first home is super exciting, but it can also be nerve-wracking if you don't know where to start. Don't miss a thing with our comprehensive checklist.

Get started

Home Guarantee Scheme

View detailed info on the Home Guarantee Scheme (HGS), an Australian Government initiative to support eligible home buyers purchase a home sooner.

Learn about the Home Guarantee Scheme

A guide to refinancing

We’ve highlighted some important things to consider when you decide to refinance and addressed some common questions we hear from homeowners.

4 min read • 17 Jan 2023

Read more

We’re here to help

Drop us your details and a home loan specialist will get back to you.

Enquire now

Ready to apply?

Set up a phone, video or in-person appointment with one of our home loan specialists.

Book an appointment

Talk to our friendly team

Got a question? Call us on 13 25 77 or pop into your nearest branch.

Contact us

Help & support

View all help & support

Financial hardship

Are you struggling financially or worried about your home loan repayments? If you’re concerned about your current financial position, we’re here to help.

Get help

Help with my home loan

Do you have an existing home loan you’d like help with? Perhaps you have a question about your loan redraw or offset account, or would like to top-up your loan.

Help with my home loan
View all help & support

Important information

Banking and Credit products issued by Police & Nurses Limited (P&N Bank).

Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply. 

Please consider the terms and conditions and whether a product is right for you. 

*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.