BSB 806 015

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BSB 806 015

Fixed Rate Home Loan

Fix your mortgage payments from 1 to 5 years.

Fixed loan term

1 - 5 years

Rate lock in

Yes

Split rate option

Yes

Our Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate for 1 to 5 years, plus flexible repayment options during the fixed term.

  • Peace of mind - enjoy a fixed interest rate for 1 to 5 years and a variable rate thereafter.
  • Convenient repayments - choose from monthly payroll deduction, auto transfer, direct debit or [email protected]™.
  • Repayment options to suit your lifestyle - interest only repayments available for up to 5 years so you have control over your funds.
  • For loans of all sizes - obtain a loan that suits your needs starting at $20,000 right up to 95% of the property value.
  • Borrowing less than 80%? - Enjoy a lower fixed rate when you borrow less than 80% of the value of your property.
  • Flexible options - our split rate home loan option allows you fix a portion of your loan and pay variable rates on the rest.

Owner Occupied

Product Name LVR Term Rate
(Fixed)
Comparison Rate
Fixed Rate Home Loan < 80.00% 1 Year 3.59% p.a. 4.50% p.a.
Fixed Rate Home Loan > 80.00% 1 Year 3.69% p.a. 4.60% p.a.
Fixed Rate Home Loan < 80.00% 2 Year 3.30% p.a. 4.37% p.a.
Fixed Rate Home Loan > 80.00% 2 Year 3.40% p.a. 4.47% p.a.
Fixed Rate Home Loan < 80.00% 3 Year 3.33% p.a. 4.28% p.a.
Fixed Rate Home Loan > 80.00% 3 Year 3.43% p.a. 4.38% p.a.
Fixed Rate Home Loan < 80.00% 4 Year 3.59% p.a. 4.29% p.a.
Fixed Rate Home Loan > 80.00% 4 Year 3.69% p.a. 4.38% p.a.
Fixed Rate Home Loan < 80.00% 5 Year 3.64% p.a. 4.24% p.a.
Fixed Rate Home Loan > 80.00% 5 Year 3.74% p.a. 4.34% p.a.

Investor

Product Name LVR Term Rate
(Fixed)
Comparison Rate
Fixed Rate Home Loan < 80.00% 1 Year 3.69% p.a. 4.51% p.a.
Fixed Rate Home Loan > 80.00% 1 Year 3.79% p.a. 4.61% p.a.
Fixed Rate Home Loan < 80.00% 2 Year 3.40% p.a. 4.39% p.a.
Fixed Rate Home Loan > 80.00% 2 Year 3.50% p.a. 4.49% p.a.
Fixed Rate Home Loan < 80.00% 3 Year 3.43% p.a. 4.31% p.a.
Fixed Rate Home Loan > 80.00% 3 Year 3.53% p.a. 4.41% p.a.
Fixed Rate Home Loan < 80.00% 4 Year 3.69% p.a. 4.32% p.a.
Fixed Rate Home Loan > 80.00% 4 Year 3.79% p.a. 4.42% p.a.
Fixed Rate Home Loan < 80.00% 5 Year 3.74% p.a. 4.29% p.a.
Fixed Rate Home Loan > 80.00% 5 Year 3.84% p.a. 4.38% p.a.

Comparison rate based on a loan of $150,000 for a term of 25 years.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will 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.

On applicable home loans, Loan Value Ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property.

Fixed Rate Home Loan fees & charges

Monthly maintenance fee$8
Establishment fee (includes one valuation)
includes one valuation$395
additional valuationsat cost*
Rate lock-in fee$650
Break cost fee
The break cost fee may apply if the Fixed Rate Home Loan is paid out any time prior to the term of the fixed rate period
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 a 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.

Fixed from 3.30 % p.a. Interest Rate

4.37 % 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 applies. 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

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