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 90% 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?

• & Visa Platinum - A credit card with platinum benefits with a purchase rate that matches the & Home Loan.
• & Access Account - A transaction account which gives you a 100% balance interest offset against your & Home Loan - with no monthly fee.
• Insurance - Take out or renew a MemberCare Home Insure, MemberCare Home Insure Plus or MemberCare Investor Insure to receive a $100 Coles Myer gift card. Take out a MemberCare Motor Insure policy and receive a $50 Coles Myer gift card. Terms & Conditions apply.

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 90% 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

• $1,000 Cash Back - for a limited time only get $1,000 deposited into your P&N transaction account when we fund a new & Home Loan or Simple Home Loan over $250,000.
• 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 90% 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.

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 Apple Pay, Google Pay^_TM or Samsung Pay 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
• Minimum repayment at just 3% of your balance - and you can pay more at any time. Pay off your balance in full each month to take advantage of the interest free period.
• No Replacement fee for misplaced cards - We'll replace your misplaced card free of any charge any where in the world so you'll always have access to your account.
• Minimum Credit Limit - $6,000

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.

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, Google Pay^_TM or Samsung Pay 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.