BSB 806 015

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BSB 806 015

Easypay Home Loan

Our 'no frills' home loan, with a low interest rate, flexible payments and redraw facility.

Loan term

5 - 30 years

Redraw

Yes

100% offset available

Yes

A P&N Bank Easypay Home Loan makes it more affordable for you to buy your ideal home, thanks to a low interest rate and a longer term to repay your mortgage.

  • Great rate - ongoing access to a low variable interest rate.
  • Offset account available - option of a 100% offset account available to owner occupiers and residential property investors.
  • For loans of all sizes - obtain a loan that suits your needs starting at $20,000 right up to 95% of the property value.
  • Flexible repayments - weekly, fortnightly and monthly repayment options available.
  • Pay your loan off sooner - make additional payments and pay your loan off faster.
  • Redraw facility - access the equity in your loan and use the funds to achieve other financial goals.

Interest Rates

Product Name Rate
(Variable)
Comparison Rate
Easypay Home Loan 4.62% p.a. 4.74% p.a.

Comparison rate based on a loan of $150,000 for a term of 25 years.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will 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.

On applicable home loans, Loan Value Ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property.

Easypay Home Loan Fees & Charges

Monthly maintenance fee$8
Establishment fee (includes one valuation)
All properties$395
Switch Fee$300

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 Easypay 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 (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.

 

4.62 % p.a. Interest Rate

4.74 % 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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