BSB 806 015

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BSB 806 015

Buy your first home

It’s true that buying a home is one of the biggest financial decisions you’ll ever make – but we’re here to help. We have a range of home loans with competitive interest rates, no ongoing fees and flexible repayment options, plus access to the government First Home Loan Deposit Scheme.

Choose the home loan that's right for you

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Product name

Interest Rate

Comparison Rate

Overview

Establishment fee

Monthly fee

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

Maximum Loan Value Ratio

Minimum loan amount

Loan purpose

 

Variable 2.74 % p.a. Interest Rate

3.18 % p.a. Comparison Rate

All the benefits and features of our flexible & Home Loan, at a special introductory rate for 12 months*.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members with new & Home Loan borrowings

Minimum loan amount

$150,000

Loan purpose

Owner occupied

Remove

Variable 2.74 % p.a. Interest Rate

2.74 % p.a. Comparison Rate

Our no frills home loan with no ongoing fees and a low variable interest rate.

Establishment fee

$0

Monthly fee
 
100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

90%

Minimum loan amount

$150,000

Loan purpose

Owner occupied

Remove

Variable 2.92 % p.a. Interest Rate

2.92 % 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

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

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

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

Fixed from 2.29 % p.a. Interest Rate

3.47 % p.a. Comparison Rate

Fix your mortgage payments from 1 to 5 years.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

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)

Minimum loan amount

$20,000

Loan purpose

Owner occupied and investment

Remove

Variable 3.22 % p.a. Interest Rate

3.22 % p.a. Comparison Rate

Great value variable rate home loan with no ongoing fees and flexible features like a 100% offset account and optional low rate credit card.

Establishment fee

$0

Monthly fee

$0

100% offset available

Optional credit card at home loan rate

Extra payments allowed

Redraw available

Interest only payment option available

Maximum loan term

30 years

Maximum Loan Value Ratio

95% for new and existing members

Minimum loan amount

$50,000

Loan purpose

Owner occupied

Remove

How much can I borrow?

Use our home loan borrowing calculator to find out how much you could borrow based on your income and expenses, and what your repayments will be.

Alternatively, if you want to compare home loans to see which best suits your needs or find out how much you could save over the life of your loan by making extra repayments, then take a look at our other home loan calculators.

Home loan borrowing power calculator

Buy your first home with confidence

Buying your first home can seem daunting, but we’re here to help make the process as easy as possible.

For many first home buyers, the First Home Owners Grant may be just what you need to kick start your home ownership goals, and if you're in serious deposit savings mode it's worth checking out these tips to save for your home deposit.

Our Home Loan Specialists will be there with you every step of the way, and our mobile lenders can even come to you to help get you started.

We're ready to help

With our simple application process and fast approvals, applying for a home loan with P&N Bank couldn't be easier.

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Disclaimer

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.

View Home Loan Key Fact Sheets

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