Fixed Rate Home Loan

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]™.
• 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.

Want to get into your first home sooner?

The First Home Loan Deposit Scheme New Home Guarantee is an Australian Government initiative to support eligible first home buyers purchase a home sooner. It does this by providing a guarantee that will allow eligible first home buyers to purchase a home with a deposit of as little as 5% without needing to pay for Lenders Mortgage Insurance (LMI).

Find out more

Fixed Rate Home Loan fees & charges

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.