BSB 806 015

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BSB 806 015

Refinance Your Home Loan

Making the right choice for your home loan can save you a lot of money in the long run. Whether you're switching lenders, relocating, improving your home or downsizing you're sure to find a home loan to suit your needs at P&N Bank, and we'll help you make the switch as easy as possible.

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 available

Minimum loan amount

Maximum loan term

Maximum Loan Value Ratio

Loan purpose

 

Variable 3.99 % p.a. Interest Rate

3.99 % p.a. Comparison Rate

  •  

    & Home Loan

    A low variable rate for owner occupier borrowings up to 90% of the property value

  •  

    & Visa Platinum

    Purchases at the same rate as the & Home Loan (excluding any intro rate offer)

  •  

    & Access Account

    Transaction account with 100% balance interest offset

  •  

    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 available

Minimum loan amount

$50,000

Maximum loan term

30 years

Maximum Loan Value Ratio

90% for new and existing members

Loan purpose

Owner occupied

Variable 3.55 % p.a. Interest Rate

3.95 % p.a. Comparison Rate

Variable 12 month introductory rate for owner occupier borrowings up to 80% of the property value and a minimum loan amount of $150,000. With the flexibility of optional Home Loan & Bag features.

Establishment fee

$0

Monthly fee

$0

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$150,000

Maximum loan term

30 years

Maximum Loan Value Ratio

80% for new and existing members with new & Home Loan borrowings

Loan purpose

Owner occupied

Remove

Variable 4.19 % p.a. Interest Rate

4.19 % p.a. Comparison Rate

A low variable rate home loan for owner occupiers with a lower deposit. Ability to borrow up to 95% of the property value.

Establishment fee

$0

Monthly fee

$0.00

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$50,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members
(inclusive of LMI)

Loan purpose

Owner occupied

Remove

Fixed from 3.89 % p.a. Interest Rate

4.69 % p.a. Comparison Rate

Fix your mortgage payments from 1 to 5 years.

Establishment fee

$395

Monthly fee

$8.00

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$20,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new & existing for owner occupied (inclusive of LMI)

90% for new & existing for Investment (inclusive of LMI)

Loan purpose

Owner occupied and investment

Remove

Variable 6.04 % p.a. Interest Rate

6.07 % p.a. Comparison Rate

A P&N Bank Bridging Loan is the ideal short term finance solution for when you’ve found your next home but haven’t yet sold your existing property.

Establishment fee

$395

Monthly fee

$8

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$20,000

Maximum loan term

1 year

Maximum Loan Value Ratio

85%

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 over the life of your loan.

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.

Hints & tips

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

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.

 
Ready to apply or want pre-approval?

Start your application online or call us on 13 25 77. 8am - 8pm Mon-Fri and 9am -5pm Sat (AWST)

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 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.

QBE Insurance (Australia) Limited is the issuer of the insurance policies detailed. These products are not a product of, nor guaranteed by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 who will receive a commission payment of up to 20% of the premium for arranging a policy sale.

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