RateCity.com.au
powering smart financial decisions
P&N Bank

Smooth Home Loan

Advertised Rate

3.87

% p.a

Variable

Comparison Rate*

3.87

% p.a

Maximum LVR
Less than 80%
Real Time Rating™

1.86

/ 5
Monthly Repayment

$1,562

based on $300,000 loan amount for 25 years at 3.87%

Advertised Rate

3.87

% p.a

Variable

Comparison Rate*

3.87

% p.a

Maximum LVR
Less than 80%
Real Time Rating™

1.86

/ 5
Monthly Repayment

$1,562

based on $300,000 loan amount for 25 years at 3.87%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,562

based on $300,000 loan amount for 25 years at 3.87%

P&N Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.

Daniel Tetlaw

Get expert advice from a home loans specialist.

I enjoy working with clients to understand their goals and deliver great outcomes for their unique situations. This requires flexibility, dotting every ‘i’, crossing every ‘t’, and striving to over deliver on my clients’ needs and expectations.

Response time: in 3 days | Our brokers call during business hours between 9.00am to 6.00pm.

Quick home loan review

For Smooth Home Loan (LVR < 80%) (Principal & Interest)

These are the benefits of this home loan.

  • No upfront or ongoing fees
  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • No offset account
  • Higher than average interest rate
  • Discharge fee at end of loan

Home loan overview

For Smooth Home Loan (LVR < 80%) (Principal & Interest)

TMD

Details

Maximum LVR

Less than 80%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Investors

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Unlimited extra repayments

Redraw facility

Redraw fee: $0

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

0

Application fee

0

Valuation fee

$0

Settlement fee

0

Other upfront fee

0

Ongoing fee

$0

Discharge fee

395

Application method

Online

Phone

In branch

Target Market Determination

Visit P&N Bank to view Target Market Determination.

Other Benefits

Max LVR 95% available to existing members who have been with P&N for at least 3 months

Embed

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $20k to $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 79.99 percent, which means it requires a minimum deposit of 20.01 percent

What's the maximum length for this loan?

P&N Bank allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

P&N Bank allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $0 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

How do you apply for this loan?

To apply for this loan, please contact P&N Bank.

Can a broker help me with this loan?

Yes, this P&N Bank loan is available through a broker. Find a broker to help you with your needs.