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3.99
% p.a
Fixed - 1 year
3.52
% p.a
$1,582
based on $300,000 loan amount for 25 years at 3.99%
Calculate your repayments for this loan
Your estimated repayment
$1,582
based on $300,000 loan amount for 25 years at 3.99%
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
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
Jingxia (Suzanne) Wang
Get expert advice from a home loans specialist.
With double master degrees of Professional Accounting and Commerce and over 3 years working experiences in the mortgage broking industry, Suzanne has been developing a wider sense of what her clients need and how to achieve their dreams of buying or building their own homes as well as increasing their investment property portfolio to build wealth. Suzanne loves meeting new clients and catching up with existing clients, she has a passion for delivering professional skills and experience to customise a solution for her clients to secure their financial future. On weekends she enjoys spending time with her family, reading books with her child, and going for long walks in the park. Suzanne Wang is a credit representative 534100 of BLSSA Pty Ltd ACN 117 651 760 (Australia Credit License 391237).
CRN: 484532
Alex El Daghar
Get expert advice from a home loans specialist.
Your Digital Mortgage Broker & Trusted Adviser. My role - one I am passionate about - is to work in your best interests. I’ll be with you for the long haul, fighting for the fittest rate on the market that matches your needs and goals, not the first product on the shelf.
CRN: 538115
Kristina Louise
Get expert advice from a home loans specialist.
Kristina offers 12 years of experience and works for #1 Independent Brokerage for 6 years. . She has the ability to effectively communicate convoluted lending processes so that consumers can more easily understand the home loan process. Kristina is fascinated by complex lending scenarios in particular; Guarantor Lending, Investment Strategies, and Self-employed applications. “My passion is to help every single person. I treat all of my clients with the same level of respect and service. Whether you are a First home buyer, Investor or Property Mogul, I will tailor my service to your specific needs.” Having worked with a Big 4 Bank and a non-Independent Broker Firm, Kristina has been exposed to both sides of the lending industry meaning you will have a broker on your side that can navigate and manage lending hurdles with ease. “Clients always tell me that they have been loyal customers to their bank but in return they are treated as a number. My goal outside achieving great outcomes for all of my clients is to make sure they feel heard and valued, quite simply because they are”.
CRN: 528640

Variable Rate Home Loan – Refinance Only
special
Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.2.64
% p.a
Variable
2.56
% p.a
Built by CBA, this home loan deal allows borrowers who refinance benefit from an ongoing loyalty discount
Quick home loan review
For Fixed Rate Home Loan 1 Year (LVR < 80%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- 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
- Loan reverts to higher rate after fixed period
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Fixed Rate Home Loan 1 Year (LVR < 80%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR Less than 80% | Total Repayments $474,600 |
Interest rate type Fixed - 1 year | |
Borrowing range
$20k
-
$100m
| Suitable for 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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