Simple Home Loan

The Simple Home Loan offers a low variable rate for owner occupiers looking to borrow up to 95% of the property value. The flexible loan also provides the options of an offset account and credit card which has the same interest rate as the home loan for purchases.

• Great rate - access to a low variable home loan.
• Flexible loan sizes - obtain a loan that suits your needs starting at $50,000 right up to 95% of the property value.
• Optional 100% offset transaction account - an & Access Account which gives you a 100% balance interest offset against your Simple Home Loan with no monthly fee.
• Optional credit card - a Simple Visa Credit Card with a purchase rate that matches your Simple Home Loan interest rate.
• 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.

Simple Home Loan fees & charges

It’s easy to apply for a Simple 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.