BSB 806 015

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BSB 806 015

& Home Loan

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

Low rate

Low variable interest rate

& Visa Platinum

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

& Access Account

100% offset

Overview
Fees & charges
How to apply

The & Home Loan is a low variable rate, flexible home loan for owner occupiers borrowing up to 95% of the property value, with the option of adding in extras like a offset account and a credit card that has the same interest rate as your home loan for purchases.

Great rate - access to a low variable home loan interest rate.
Flexible loan sizes - obtain a loan that suits your needs starting at $50,000 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 features

& Visa Platinum - a credit card with platinum benefits with the same purchase rate of the & Home Loan variable rate, currently 3.12% 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 (Variable)	Comparison Rate
& Home Loan	< 95.00%	3.12% p.a.	3.12% p.a.

& Home Loan fees & charges

Monthly maintenance fee	$0
Establishment fee (includes one valuation)
includes one valuation	$0
additional valuations	at 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 an & Home Loan 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 3.12 % p.a. Interest Rate

3.12 % p.a. Comparison Rate

Enquire Request appointment

Disclaimer

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

View & Visa Platinum Credit Card Fact Sheet

View Credit Card Conditions of Use

View Credit Card Account Access Conditions of Use

The complimentary insurance plans are issued to Cuscal Limited ABN 95 087 822 455 AFSL 244116 by Chubb Insurance Australia Limited ABN: 23 001 642 020; AFSL: 239687 for the benefit of P&N Bank cardholders. The terms and conditions of the complimentary insurance plans for the P&N Bank Platinum VISA credit card are specified in the applicable Policy Information Booklet. Cover is available under the insurance plans for purchases using a current P&N Bank Platinum VISA credit card. The complimentary insurance plans are not a product of, nor guaranteed by P&N Bank.

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.