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P&N Bank Home Loan Products

Review the fees and features of P&N Bank's home loan products



P&N Bank Cashback*

Special limited time $3,000 cashback offer only available for new purchase or refinance applications.

Members must meet the following criteria to be eligible for the cashback offer:

  • Home loan applications (for new purchase or refinancing) must be submitted between 14 April 2022 and 31 July 2022 (inclusive).
  • The home loan must be approved, settled and drawn down by no later than 31 October 2022.
  • The home loan must be new to P&N Bank and for either: the refinance of an existing loan from another financial institution (i.e.: refinances of existing P&N Bank and bcu loans are excluded from the Offer) or the purchase of a new or existing home (Home Loan).
  • The Home Loan product must be either a P&N Bank owner occupied or investor home loan.
  • The Offer is not available for any other product, including but not limited to equity lines of credit, bridging loans or loans for construction purposes.
  • The amount of the Home Loan must be at least $250,000.
  • The Loan to Valuation Ratio (LVR) of the Home Loan must be a maximum of 80% or less.
  • The Offer is limited to one $3,000 cashback payment per member regardless of the number of applications, applicants, properties or loans involved.
  • This Offer cannot be used in conjunction with any other home loan cashback offer currently being made by P&N Bank.

The $3,000 cashback amount (Cashback Amount) cannot be used towards the serviceability of the Home Loan and can only be paid to the member's P&N Bank transaction account. This Offer is available to Australian residents aged 18 years and over. The Cashback Amount will be paid to eligible applicants within 45 days of the settlement date of the Home Loan by electronic transfer to the member's P&N Bank transaction account. For Home Loan's in joint names, the nominated transaction account needs to be in the name of either both or at least one of the Home Loan joint applicants and the Cashback Amount will only be paid into one nominated account (no split payments). Where a Home Loan has more than one applicant and one applicant receives the Cashback Amount all applicants are deemed to have received the Cashback Amount. Eligible members accept the Cashback Amount 'as is' and acknowledge that P&N Bank accepts no liability or responsibility for any tax implications that may arise from or in respect of the Cashback Amount.

Offer ends 31 July 2022

Product& Basic Variable Home Loan& Home Loan& Investment Home LoanBridging LoanEasypay Home LoanEquity AccessSimple Home LoanSmooth Home Loan
Product Fees
Application--------
Settlement--------
Discharge$395$395$395$395$395$395$395$395
Product--------
Fee CycleMonthlyMonthlyAnnuallyAnnuallyAnnuallyAnnuallyMonthlyMonthly
Product Features
RepaymentWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, MonthlyWeekly, Fortnightly, Monthly
Offset
Redraw
EFTPOS
Debit Card
BPay
Internet Banking
Bridging
Construction