Important disclosure

6.62
% p.a
Variable
6.63
% p.a
$1,655
based on $300,000 loan amount for 25 years at 6.62%
Calculate your repayments for this loan
Your estimated repayment
$1,655
based on $300,000 loan amount for 25 years at 6.62%
P&N Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.
Lee HAO
Get expert advice from a home loans specialist.
Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.
CRN: 484532
Andrew Walmsley
Get expert advice from a home loans specialist.
Welcome to Grange Finance Pty Ltd established in 2004. We offer you a personalized solution to meet your financial needs from an array of over 40 lenders. We have our own Australian Credit Licence (386734) and serve clients all over Australia. We look after clients from First Home buyers to Investors with multiple properties. We specialise in refinances and self employed people. If your credit is not so clean we can assist in that space also. In these times we actively review your home loan to ensure you are on the best possible rate and repayment for your circumstances. Andrew has a degree in finance and is in regular contact with the lender panel and Mortgage events to ensure he is abreast of the market. He is also a keen cyclist and traveller. Contact us now with your scenario and lets work out a solution together.
ACL: 386734
Lumbini Wekunagoda
Get expert advice from a home loans specialist.
Lumbini Wekunagoda is the founder of Melfinance. A boutique Mortgage Broker firm in Melbourne. Lumbini has a passion for helping his clients make their financial life easier. Lumbini specialises in helping people achieve their financial goals. Our goal is to educate you and empower you. With over 10 years in the Mortgage Broker Industry, Lumbini is highly experienced and known for his tenacity in helping his clients. Lumbini also has a diploma in Mortgage Broking, MBA from the University of Wales, Cert IV, MFAA, ASIC registered and licensed Mortgage Broker. Lumbini is known for giving as much of his time as is required to each client. No question is too small and no task too big. Lumbini’s clients feel as though they truly have someone on their side throughout the process. A real advocate for them who makes the whole process easy and stress-free. He also leaves them feeling comfortable that they are fully educated and empowered to make informed decisions with zero remorse. "Why do I like my role as a Mortgage Broker? I do this because I get enormous satisfaction from helping people achieve their goals and educating the. Seeing a client in a better positon after I have helped them gives me a huge buzz"
CRN: 444210

Variable Home Loan
3.10
% p.a
Variable
3.12
% p.a
Enjoy a competitive interest rate home loan with helpful features and no ongoing fees
Quick home loan review
For Equity Access
These are the benefits of this home loan.
- No upfront or ongoing fees
- Parents can sign as guarantor
- Split account option
These are the drawbacks of this home loan.
- No extra repayments
- No redraw and no offset
- Higher than average interest rate
- Discharge fee at end of loan
Home loan overview
For Equity Access
- Details
- Features
- Fees
- Application method
Details
Maximum LVR Less than 90% | Total Repayments $496,500 |
Interest rate type Variable | |
Borrowing range
$20k
-
$100m
| Suitable for Line of Credit, Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Not Allowed | Offset account No |
Redraw facility | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 0 | Application fee 0 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 0 |
Ongoing fee $0 | Discharge fee 395 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit P&N Bank to view Target Market Determination.
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