Fixed Rate Home Loan

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.

Fixed Rate Home Loan fees & charges

It’s easy to apply for a Fixed Rate Home Loan with P&N Bank. Simply get all your details ready and choose how to apply.

How to apply

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 friendly 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.

What you need

You'll need either 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. a utility bill with your name and address on it).

During your application we’ll ask you to provide information, such as:

• income details (payslips, or if you're self employed, tax assessments for the last two years and financial statements)
• contact details for your current and previous employer
• any assets you own (e.g. value of any cars, deposit accounts, properties, etc)
• any loans, credit cards or other amounts owing