BSB 806 015

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BSB 806 015

Home equity loans

A flexible, line of credit facility with full transactional capability and a competitive variable interest rate.

Variable interest rate

Yes

Fixed repayments

No

Full redraw option

No minimum amount

Our Equity Access home loan allows you to finance things like a new car, a holiday or renovations by borrowing against the equity in your home so you don’t have to get another loan.

  • Flexible access to equity - our variable interest rate loan is debited monthly with no fixed repayments.
  • For loans of all sizes - borrow up to 90% of the property value.
  • Redraw facility - draw down on your equity and take control of your funds. Only pay interest on the amount drawn.
  • Get ahead - make additional repayments and pay your loan off faster.

Interest Rates

Product Name Rate
(Variable)
Comparison Rate
Equity Access 5.64% p.a. n/a

Equity Access fees & charges

Monthly maintenance fee$10
Establishment fee (includes one valuation)
includes one valuation$395
additional valuationsat cost*

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 all the documents you need with you.

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 then book a home loan appointment and they’ll visit you at home or at work.

Variable 5.64 % p.a. Interest Rate

n/a % 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

Create a Home Loan Key Fact Sheet


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