Why choose P&N Bank

Benefits

  • Package and specialised loans offered.
  • Discounted rates offered.
  • Flexible repayment options.

Drawbacks

  • Branch access limited to WA.
  • Relatively high variable rates.

P&N Bank Home Loans

Loan amount

$

Minimum deposit

Loan type & Term

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Australian Credit Licence 240701Fees & charges apply

6.39%

6.40%

$2,339

Offset Home Loan
  • Owner Occupied
  • Variable
  • 40% min deposit
  • P&I

Australian Credit Licence 240701Fees & charges apply

Australian Credit Licence 240701Fees & charges apply

8.37%

8.38%

$2,441

Easypay Home Loan
  • Owner Occupied
  • Variable
  • 5.01% min deposit
  • Interest Only

Australian Credit Licence 240701Fees & charges apply

Australian Credit Licence 240701Fees & charges apply

8.22%

8.23%

$2,398

Smooth Home Loan
  • Owner Occupied
  • Variable
  • 10.01% min deposit
  • Interest Only

Australian Credit Licence 240701Fees & charges apply

Australian Credit Licence 240701Fees & charges apply

5.99%

6.24%

$2,253

Fixed Rate Home Loan
  • Owner Occupied
  • Fixed undefined year
  • 20.01% min deposit
  • P&I

Australian Credit Licence 240701Fees & charges apply

Australian Credit Licence 240701Fees & charges apply

5.99%

6.24%

$1,747

Fixed Rate Home Loan
  • Owner Occupied
  • Fixed undefined year
  • 20.01% min deposit
  • Interest Only

Australian Credit Licence 240701Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 5.99%

Total interest payable

$0

Total loan repayments

$0

P&N Bank customer service

P&N customers can contact the bank via a number of channels, including online, via web chat and by email. There is also a general customer phone line, as well as a line for those experiencing financial hardship. Customers can also visit with a P&N staff member at a local branch or make an appointment with a mobile lender.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch
  • Mobile banking staff

How to Apply

P&N Bank gives potential customers multiple ways of applying for a home loan. These include booking an appointment with a staff member or mobile lender via the P&N website or by phone, email and online. Customers can also make enquiries about home loan products via the P&N website. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Proof of identity.
  • Proof of regular income and employment.
  • Proof of other income, including allowances, pensions and rent.
  • Details of savings.
  • Details regarding current debts, liabilities and loans.
  • Personal insurance documents.

For refinancers you will also have to provide past home loan statements and a current payout quote for the loan you wish to refinance. 

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.