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BSB 806 015
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Home Loan & Bag

& Home Loan

P&N's lowest variable rate for owner occupier borrowings up to 80% of the property value

& Visa Platinum

Purchases at the same rate as the & Home Loan

& Access Account

Transaction account with 100% balance interest offset

Insurance

Protect your investment and be rewarded

There's a lot to like about our Home Loan & Bag.

That's because it gives you the option to mix a range of products together to provide great value, choice and flexibility.

How it works

Available to new and existing members up to 80% of the property value. The & Bag features an & Home Loan, for owner occupiers, at our lowest variable rate.

From here you can choose to add any of the below to create a combination of products and services that suits your needs.

What can you put in your Home Loan & Bag?

Get started

Talk to us about starting or swapping to Home Loan & Bag today by completing our online form. We're here to help guide you through the journey.

The & Home Loan is a low variable rate, flexible home loan for owner occupiers borrowing up to 80% 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.

Product features

  • Great rate - access to our lowest variable home loan.
  • Flexible loan sizes - obtain a loan that suits your needs starting at $50,000 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.

Interest Rates

Product Name LVR Rate
(Variable) 		Comparison Rate
& Home Loan < 80.00% 3.99% p.a. 4.02% p.a.

Fees & Charges

Monthly maintenance fee$0
Establishment fee (includes one valuation)
All properties$395
Switch Fee$300

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

The & Visa Platinum is a credit card with platinum benefits and a purchase interest rate that matches the & Home Loan rate.

Product features

  • Low variable purchase rate - that matches the & Home Loan rate.
  • No account fees - no annual fee on the & Visa Platinum.
  • Tap and pay with your compatible mobile phone - using Android PayTM, the new app that offers a smarter way to pay.
  • Complimentary insurance plans - Enjoy peace of mind with a range of insurance plans as part of your account.
  • Easier cashflow management - Up to 45 days interest-free on purchases.
  • Ready when you are - Access to Visa Platinum Concierge Service 24x7.
  • Plenty of perks - Access to special lifestyle, entertainment and travel privileges through Visa Premium
  • Globally recognised - Access to your funds whenever Visa is accepted. Visa payWave allows you to pay faster with no hassles.

About complimentary insurance plans

The & Visa Platinum credit card includes access to:

  • Overseas travel insurance
  • Interstate flight insurance
  • Extended warranty insurance
  • Purchase security insurance
  • Transport accident insurance

Terms and conditions may apply. Limitations and exclusions apply to the concierge services.

Interest Rates

Product Name Purchase Rate
(Variable) 		Cash Advance Rate
(Variable) 		Balance Transfer Rate
(Variable)
& Visa Platinum 3.99% p.a. 19.99% p.a. 3.99% p.a.

Fees & Charges

Annual fee$0
Cash advance (domestic and overseas)$5
Replacement of lost card$10
Urgent VISA card$50
Overseas emergency replacement
Approved$0
Declined$0

The table above covers fees and charges related to this product.

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

The & Access Account is a transaction account for your everyday banking that is linked to your & Home Loan. It helps you pay off your loan faster with a 100% interest offset facility.

Product features

  • Saving money on your home - by linking a 100% offset & Access Account to an & Home Loan.
  • No monthly fee - and no minimum monthly balance required.
  • Fee free transactions - Keep more of your money in your pocket. A range of fee free transactions are included in our & Access Account.
  • VISA Debit Card - Access your funds wherever VISA is accepted.
  • Easy access -  Access your funds via Internet banking, Mobile Banking App, Phone Banking, SMS Banking and more.
  • Tap and pay with your compatible mobile phone - using Apple Pay or Android PayTM , a smarter way to pay.
  • Over 3000 free ATMs - Free and convenient access to your funds via rediATM, NAB and BOQ ATMs, one of Australia's largest ATM networks.
  • Peace of mind - Your Visa Debit card is protected by Visa Zero Liability when using Visa payWave or pressing credit in store. Additionally, Verified by Visa adds an extra layer of security to select online transactions.

Interest Rates

Product Name Tier Rate
(Variable) 		Interest Calculated Interest Credited
& Access Account > $0 n/a Daily balance N/A

Fees & Charges

Account fees & charges
Monthly Base Balance Fee

Nil
Base Balance

None
Unlimited Free Transactions
  • Direct Credit
  • [email protected]™ deposit¹
  • Internet Banking Transfer
  • Mobile App Transfer
  • Phone Banking Transfer
  • Express Cheque Deposit
  • EFTPOS
  • VISA Purchase
  • [email protected]™ withdrawal¹
  • BPay®
  • Auto Transfer (internal/external)
  • Direct Debit

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

¹ [email protected]™ deposits and withdrawals are available only with an P&N ATM Card or VISA Debit or Credit Card. Cheques must be made out in the name of the cardholder to be accepted at [email protected]™ and are subject to 4 working days clearance.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

The & Access Account is only available to & Home Loan and Simple Home Loan holders.

 


Get started

Variable 3.99 % p.a. Interest Rate

4.02 % p.a. Comparison Rate

Get started

Helpful tools

How much can I borrow?

What will my repayments be?

How to buy a home

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 and 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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