Fixed Rate Home Loans 1 - 5 Years

COVID-19 financial relief

For those members looking for certainty in their home loan repayments for owner-occupied loans in the coming months, we have decreased the rates on our 2 and 3 year Fixed Rate products. Find out more about our COVID-19 financial relief package.

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	3.00% p.a.	3.79% p.a.
Fixed Rate Home Loan	> 80.00%	1 Year	3.10% p.a.	3.89% p.a.
Fixed Rate Home Loan	< 80.00%	2 Year	2.34% p.a.	3.60% p.a.
Fixed Rate Home Loan	> 80.00%	2 Year	2.44% p.a.	3.70% p.a.
Fixed Rate Home Loan	< 80.00%	3 Year	2.29% p.a.	3.47% p.a.
Fixed Rate Home Loan	> 80.00%	3 Year	2.39% p.a.	3.57% p.a.
Fixed Rate Home Loan	< 80.00%	4 Year	3.15% p.a.	3.63% p.a.
Fixed Rate Home Loan	> 80.00%	4 Year	3.25% p.a.	3.73% p.a.
Fixed Rate Home Loan	< 80.00%	5 Year	3.25% p.a.	3.62% p.a.
Fixed Rate Home Loan	> 80.00%	5 Year	3.35% p.a.	3.72% p.a.

Investor

Product Name	LVR	Term	Rate (Fixed)	Comparison Rate
Fixed Rate Home Loan	< 80.00%	1 Year	3.10% p.a.	3.80% p.a.
Fixed Rate Home Loan	> 80.00%	1 Year	3.20% p.a.	3.90% p.a.
Fixed Rate Home Loan	< 80.00%	2 Year	2.79% p.a.	3.68% p.a.
Fixed Rate Home Loan	> 80.00%	2 Year	2.99% p.a.	3.80% p.a.
Fixed Rate Home Loan	< 80.00%	3 Year	3.03% p.a.	3.65% p.a.
Fixed Rate Home Loan	> 80.00%	3 Year	3.24% p.a.	3.78% p.a.
Fixed Rate Home Loan	< 80.00%	4 Year	3.25% p.a.	3.66% p.a.
Fixed Rate Home Loan	> 80.00%	4 Year	3.35% p.a.	3.76% p.a.
Fixed Rate Home Loan	< 80.00%	5 Year	3.39% p.a.	3.68% p.a.
Fixed Rate Home Loan	> 80.00%	5 Year	3.49% p.a.	3.78% p.a.

Fixed Rate Home Loan fees & charges

Monthly maintenance fee	$0
Establishment fee (includes one valuation)
includes one valuation	$0
additional valuations	at 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

*At cost refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member, which will be passed on to the member.

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.

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 Rate Home Loan