BSB 806 015

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BSB 806 015

Home loans

Relocating, renovating or refinancing? We have a range of home loans with competitive rates and flexible options that will save you time and money.

Buying your first home is a major milestone. We've got a range of home loan products, tools and specialists to help you throughout your journey.

Are you after rental income, capital growth or a retirement nest egg? Choose your investment loan carefully to maximise your returns.

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.

How much can I borrow?

Use our home loan borrowing calculator to find out how much you can borrow, what your repayments will be and how interest rate increases or decreases may affect your repayments.

Switch to P&N Bank

Making the right choice for your home loan can save you a lot of money in the long run. At P&N Bank we can make switching your loan easy with our simple application process.

Whether you're buying your first home, your next home or your forever home we have a range of home loans, tools and calculators that will help you over the life of your home ownership journey.

Frequently asked questions

  • What is a mortgage?

    Home loans are often also referred to as mortgages. A mortgage refers to the legal contract that usually accompanies a home loan in that the bank takes security over your property and holds the property title. If you default on repayments as set out in the contract, (i.e. fail to make your minimum monthly repayments) your lender can sell the property to recoup costs.

  • Which home loan is right for me?

    When choosing any type of loan, it's important to work out the features you need from your loan and how much it will cost over the life of the loan. The type of loan will also depend on the purpose of your application and your personal circumstances.

    Whether you're buying your first home, your next home or your forever home we have a range of home loans and calculators that will help you with your home ownership journey.

    To find out how to apply for a home loan, you can request an appointment online or call us on 13 25 77 to speak with one of our home loan specialists. Alternatively, one of our mobile lenders can come to you, even on weekends, and talk you through the best option for your home lending needs.

  • How do I find the cheapest home loan?

    Shopping around using online comparison tools and calculators as well as speaking with home lenders or mortgage brokers can help you find the best home loan option. Call us on 13 25 77 to speak to a lending specialist or one of our mobile lenders can come to you.

  • How can I compare home loan rates?

    Our home loan comparison calculator can be used to show a side by side comparison of our home loan products.

    We have a range of different home loan options depending on your deposit, whether you want a fixed or variable rate and whether you are an owner occupier or investor.

    To find out more, please contact us on 13 25 77 to speak to a lending specialist or alternatively, you can arrange for one of our mobile lenders to come to you and discuss your needs.

  • How long will it take to approve my home loan?

    Typically home loan applications take around 5 - 7 days for approval, depending on the complexity of the loan. This allows for a valuation of the property if required and confirmation of all required documentation.

See all home loan FAQs

Not what you're looking for?


The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. The calculations do not take into account any product features or fees and charges that may be charged to your loan or fees such as Lenders Mortgage Insurance, which if applicable will add to the cost of your loan and repayments. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Lending criteria applies to the approval of credit products. Terms and conditions apply and are available on request. Fees and charges are payable.

Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees & charges. Different terms, fees and other loan amounts might 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. 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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