P&N Bank was formed as the Polices and Nurses Credit Society in Western Australia in 1990 and is now the state’s largest bank.

The bank is member-owned and headquartered in Perth, with branches throughout Western Australia. It provides a number of financial products, such as personal and home loans, savings accounts, term deposits, credit cards and insurance. The bank also offers financial planning and international money transfer services.

P&N Bank has won numerous awards, including Bank of the Year in the Roy Morgan Customer Satisfaction Awards in 2014.

P&N Bank Home Loan Calculator
Interested in an P&N Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how P&N Bank compares to its competitors. Simply plug in your borrowing amount below. 

  • Package and specialised loans offered.
  • Discounted rates offered.
  • Flexible repayment options.
  • Branch access limited to WA.
  • Relatively high variable rates.
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

P&N Bank Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

P&N Bank Home Loans

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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