& Home Loan

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 3.22% p.a.
• & Access Account - a transaction account which gives you a 100% balance interest offset against your & Home Loan - with no monthly fee.

& Home Loan fees & charges

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.