BSB 806 015

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BSB 806 015

Buy your next home or refinance

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, renovating your home or downsizing, you’re sure to find a home loan that will suit your needs 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

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

Maximum Loan Value Ratio

Minimum loan amount

Loan purpose

 

Variable from 2.59 % p.a. Interest Rate

2.59 % p.a. Comparison Rate

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

Establishment fee

$0

Monthly fee
 
100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

90%

Minimum loan amount

$150,000

Loan purpose

Owner occupied

Remove

Variable 2.74 % p.a. Interest Rate

3.18 % p.a. Comparison Rate

All the benefits and features of our flexible & Home Loan, at a special introductory rate for 12 months*.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members with new & Home Loan borrowings

Minimum loan amount

$150,000

Loan purpose

Owner occupied

Remove

Fixed from 1.99 % p.a. Interest Rate

3.70 % p.a. Comparison Rate

Fix your mortgage payments from 1 to 5 years.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

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)

Minimum loan amount

$20,000

Loan purpose

Owner occupied and investment

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Variable 2.92 % p.a. Interest Rate

2.92 % 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

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

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

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

Variable 3.22 % p.a. Interest Rate

3.22 % p.a. Comparison Rate

Great value variable rate home loan with no ongoing fees and flexible features like a 100% offset account and optional low rate credit card.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

Variable 5.27 % p.a. Interest Rate

5.27 % 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

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

1 year

Maximum Loan Value Ratio

85%

Minimum loan amount

$20,000

Loan purpose

N/A

Remove

What will my repayments be?

Use our home loan repayment calculator to get an estimate on how much your repayments will be.

Alternatively, if you want to find out how much you can borrow, compare home loans to see which best suits your needs or find out how much you could save over the life of your loan by making extra repayments, then take a look at our other home loan calculators.

Refinancing made easy

Switching from an existing home loan may seem like a lot of hassle, but the money you may save can make it well worth your effort. Take the time to compare home loans to ensure you’re getting the best deal, and you can use our home loan comparison calculator to find out how much you could save.

We make refinancing your loan easy with our simple application process, and our mobile lenders can even come to you to help get you started.

We're ready to help

With our simple application process and fast approvals, applying for a home loan with P&N Bank couldn't be easier.

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Disclaimer

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.

Calculator by Widget Works

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.

View Home Loan Key Fact Sheets

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