BSB 806 015

To give you the best possible experience, this site uses cookies. Learn more about cookies.

BSB 806 015

& Home Loan Intro Rate

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

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 features.

  • 12 month intro rate - for the first 12 months receive a low variable intro rate of 2.74% p.a. You will then revert to the & Home Loan variable rate, currently 3.22% p.a.
  • Flexible loan sizes - obtain a loan that suits your needs starting at $150,000* right up to 95% 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 Intro Rate features

  • & Visa Platinum credit card - a credit card with platinum benefits with the same purchase rate of the & Home Loan variable rate, currently 3.22% p.a^.
  • & Access Account - a transaction account which gives you a 100% balance interest offset against your & Home Loan - with no monthly fee.

Interest rates

Product Name LVR Rate Comparison Rate
& Home Loan Intro Rate* < 95.00% 2.74% p.a. 3.18% 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 95% of the property value. Minimum loan amount $150,000 (minimum loan amount applies to new funds borrowed). Rate reverts to & Home Loan rate after 12 months (currently 3.22% p.a.)

& Home Loan Intro Rate fees & charges

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

*At cost refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member, which will be passed on to the member.

It’s easy to apply for an & 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 2.74 % p.a. Introductory rate for 12 months

3.18 % p.a. Comparison Rate

Enquire Request appointment


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

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.

View Home Loan Terms and Conditions

Create a Home Loan Key Fact Sheet

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.

We'd like to use your current location

For a more localised experience please enter your location below...


Set your location for a more localised experience.