BSB 806 015

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BSB 806 015

& Home Loan Intro 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.

12-month intro rate

Variable introductory rate for 12 months

Minimum loan amount

Minimum loan amount $150,000

Limited time only

Offer only available for a limited time

The & Home Loan Intro Rate has no establishment fee, and the flexibility of optional Home Loan & Bag features.

  • 12-month intro rate - For the first 12 months receive a low variable intro rate of 3.55%pa. You will then revert to the & Home Loan variable rate, currently 3.99%pa
  • Flexible loan sizes - obtain a loan that suits your needs starting at $150,000 right up to 80% of the property value.
  • Save money on interest - Add in the & Access account that is 100% offset against your & Home Loan.
  • Pay your loan off sooner - Make additional payments and pay your loan off faster.
  • Redraw facility - Pay more into your home loan and access the funds when you need them.

Optional Home Loan & Bag features

Interest Rates

Product Name LVR Rate Comparison Rate
& Home Loan Intro Rate* < 80.00% 3.55% p.a. 3.95% p.a.

^The & Visa Platinum credit card purchase rate excludes any intro rate offer.

*Available for a limited time, only for new owner occupier borrowings up to 80% of the property value. Minimum loan amount $150,000. Rate reverts to & Home Loan rate after 12 months (currently 3.99% p.a.)

& Home Loan fees & charges

Monthly maintenance fee$0
Establishment fee (includes one valuation)
includes one valuation$0
additional valuationsat cost*
Switch Fee$300

Other fees & charges that apply to all of our accounts can be found on our fees and charges page

It’s easy to apply for a & Home Loan Intro Rate with P&N Bank. Simply get all your details ready and choose how to apply.

What you need

  • Primary ID with a photo (ie. passport or driver’s licence), or primary ID without a photo (ie. birth certificate or citizenship certificate) plus secondary ID (ie. utility bill)
  • Income details (payslips / if self employed, tax assessments for the last two years and financial statements)
  • Contact details for your current and previous employer
  • Details of your assets and liabilities (eg. property, loans, shares)

How to get started

In person

Apply for a home loan in person at your nearest branch. Be sure to bring along all the documents you'll need.

Over the phone

Call us on 13 25 77 and one of our local loan consultants will help you with your home loan application.

We'll come to you

Meet our mobile lending team and book a home loan appointment. They'll visit you at home or at work.


Variable 3.55 % p.a. Introductory rate for 12 months

3.95 % p.a. Comparison Rate

Enquire Request appointment

To use this website you are required to read the Credit Guide (which you agree to be provided by accessing this link.) Lending criteria apply. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. Fees and charges are payable.

Create a Home Loan Key Fact Sheet

Important Information

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 or 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. Lending criteria and fees and charges apply. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. The & Visa Platinum Card is only available to & Home Loan holders. The & Access Account is only available to & Home Loan and Simple Home Loan holders. During any period in which a & Home loan is not held, the interest rates and fees applicable to the & Visa Platinum Card will be the P&N Visa Platinum Card interest rates and fees. Only one & Visa Platinum Card is allowed per member. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Please consider any Product Disclosure Statement and whether a product is right for you.

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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