BSB 806 015

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BSB 806 015

Your First Home Loan

It's true that buying a home is one of the biggest financial decisions you'll ever make - but we're here to help you throughout your home buying process. We have a range of home loans with competitive interest rates, low fees and flexible repayment options to help you save. And if you want to learn more about financing your first home check out our hints, tips, tools and calculators.

Choose the Home Loan that's right for you

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Product name

Interest Rate

Comparison Rate

Overview

Establishment fee

Monthly fee

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

Maximum loan term

Maximum Loan Value Ratio

Loan purpose

 

Variable 4.19 % p.a. Interest Rate

4.19 % p.a. Comparison Rate

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    Only available with the Simple Home Loan

    A low variable rate home loan available up to 95% of the property value.

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    12-month rate discount offer

    Discount on your interest rate (currently 0.20%p.a.) that can be taken any time in the first five years of your loan.

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    Simple Visa Credit Card

    Optional Simple Visa Credit Card with purchases at the Simple Home Loan rate (without the discount).

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    & Access Account

    Transaction account with 100% balance interest offset.

Establishment fee

$0

Monthly fee

$0

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$50,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members (inclusive of LMI)

Loan purpose

Owner occupied

Variable 4.19 % p.a. Interest Rate

4.19 % p.a. Comparison Rate

A low variable rate home loan for owner occupiers with a lower deposit. Ability to borrow up to 95% of the property value.

Establishment fee

$0

Monthly fee

$0.00

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$50,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members
(inclusive of LMI)

Loan purpose

Owner occupied

Remove

Variable 3.99 % p.a. Interest Rate

3.99 % p.a. Comparison Rate

A low variable rate for owner occupied borrowings up to 90% of the property value. With the flexibility of optional Home Loan & Bag features.

Establishment fee

$0

Monthly fee

$0

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$50,000

Maximum loan term

30 years

Maximum Loan Value Ratio

90% for new and existing members

Loan purpose

Owner occupied

Remove

Fixed from 3.89 % p.a. Interest Rate

4.69 % p.a. Comparison Rate

Fix your mortgage payments from 1 to 5 years.

Establishment fee

$395

Monthly fee

$8.00

Interest only payment option available

Extra payments allowed

Redraw available

100% offset available

Minimum loan amount

$20,000

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new & existing for owner occupied (inclusive of LMI)

90% for new & existing for Investment (inclusive of LMI)

Loan purpose

Owner occupied and investment

Remove

If you are eligible for a concessional rate of stamp duty or a one-off grant as a first home owner in your State or Territory, you can enjoy our Flying Start & Bag offer.

How much can I borrow?

If you're not sure which home loan is right for you or how much you can borrow then try our loan calculators. You can compare home loans to see which best suits your needs, work out how much you can borrow, or even how much you could save over the life of your loan.

Hints & tips

For more tips on buying a home and a range of helpful articles on how to get the most from your money, check out our How to section.

Apply today

With our simple application process and fast approvals, applying for a home loan with P&N Bank couldn't be easier. Our mobile lenders can come to you, even on weekends, and talk you through the best option for your home lending needs.

Not what you're looking for?

What you need to know

Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees & charges. Different terms, fees and other loan amounts might 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. Loan Value Ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property. Rates stated are subject to change without notice. Fees and charges are payable. Lending Criteria applies to the approval of credit products and Terms and Conditions are applicable which are available on request.

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