P&N Bank

P&N Bank home loans

P&N Bank has home loan rates starting from 2.19%.

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P&N Bank is a member-owned bank and offers a range of home loans for Australian borrowers. Check out the full table of P&N Bank products below or read more about the lender.

Compare P&N Bank home loans for January 2022

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

P&N Bank Fixed Home Loan P&IHome 2Y Fixed≥ 20% Deposit

P&N Bank Fixed Home Loan
  • App: $395
  • Ongoing: $0 p.a.
Enjoy protection from changing interest rates with a 2 year fixed rate loan.

P&N Bank Fixed Home Loan P&IHome 3Y Fixed≥ 20% Deposit

P&N Bank Fixed Home Loan
  • App: $395
  • Ongoing: $0 p.a.
Convenient repayments to choose from with P&N Bank Fixed Rate Home Loan.

P&N Bank Fixed Home Loan P&IIOInvestment 2Y Fixed≥ 20% Deposit

P&N Bank Fixed Home Loan
  • App: $395
  • Ongoing: $0 p.a.

P&N Bank & Home Loan Intro Rate P&IHome≥ 5% Deposit

P&N Bank & Home Loan Intro Rate
  • App: $0
  • Ongoing: $0 p.a.

P&N Bank & Home Loan & Bag P&IHome≥ 5% Deposit

P&N Bank & Home Loan & Bag
  • App: $0
  • Ongoing: $0 p.a.
Get special offers on a Visa Platinum card, transaction accounts and insurance with this package loan.

Compare up to 4 providers

P&N Bank key facts

  • P&N Bank is a member-owned bank based in Perth, Western Australia.
  • P&N Bank offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as personal banking and insurance.

P&N Bank home loan features

Here are the key features and details you need to know about P&N Bank's mortgage products.

Minimum depositIt is possible to get a home loan from P&N Bank with a deposit as low as 5%.
Offset account?You can get an offset account with several P&N Bank loans.
Repayment optionsSeveral P&N Bank home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from P&N Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with P&N Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

  • P&N Bank Home Loan & Bag Review

    A review of P&N Bank's Home Loan & Bag product. You can combine the loan with a Visa Platinum credit card, insurance policies and other products.

Home Loan Offers

Important Information*

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