P&N Bank & Home Loan

The P&N & Home Loan is a flexible variable rate loan that is available with a low deposit and comes with a 100% offset account.

P&N Bank’s & Home Loan is a low-rate variable home loan with almost no fees and a linked offset account.

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By

Richard Whitten

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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

This variable rate home loan is available to owner-occupiers only. It carries a maximum loan-to-value ratio (LVR) of 95%, making it a good option for first home buyers.

About this loan

What are the features and benefits of the P&N Bank & Home Loan?

  • Loan amount and term. The minimum loan amount for the P&N Bank & Home Loan is $50,000, and the maximum term is 30 years. The maximum LVR is 95%.
  • Loan purpose. The P&N Bank & Home Loan is only available to owner-occupiers.
  • Repayment types. This loan allows unlimited additional repayments without penalty. It does not allow interest-only repayments.
  • Redraw and offset accounts. The P&N Bank & Home Loan comes with a free redraw facility. You can also include a 100% offset account, the & Access Account, in your home loan package.

What fees and charges come with this loan?

  • Switching fee. There is a $300 switching fee.

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