P&N Bank Smooth Home Loan (LVR 80%-90%) | Review & Compare Home Loans

Smooth Home Loan

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Advertised Rate

3.97

% p.a

Variable

Comparison Rate*

3.97

% p.a

Maximum LVR

Less than 90%

Real Time Rating™

Monthly Repayment

$1,579

based on $300,000 loan amount for 25 years at 3.97%

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Summary
Features & fees
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Advertised Rate

3.97

% p.a

Variable

Comparison Rate*

3.97

% p.a

Maximum LVR

Less than 90%

Real Time Rating™

Monthly Repayment

$1,579

based on $300,000 loan amount for 25 years at 3.97%

Calculate your repayments for this loan

Your estimated repayment

$1,579

based on $300,000 loan amount for 25 years at 3.97%

Based on your details, you can compare and save on the following home loans

TMD

Monthly Repayment

$1,138

based on $300,000 loan amount for 25 years at 2.19%

Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.19

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,122

based on $300,000 loan amount for 25 years at 2.09%

Advertised Rate

2.09

% p.a

Variable

Comparison Rate*

2.09

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Parents can sign as guarantor

Real Time Rating™

More Features

Monthly Repayment

$1,147

based on $300,000 loan amount for 25 years at 1.85%

Advertised Rate

1.85

% p.a

Intro 24 months

Comparison Rate*

2.21

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Quick home loan review

For Smooth Home Loan (LVR 80%-90%) (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%-90%) (Principal & Interest)

TMD

Details
Features
Fees
Application method

Details

Maximum LVR Less than 90%	Total Repayments $473,700 View repayment schedule »
Next LVR	Interest rate type Variable
Borrowing range $20k - $100m Calculate how much you can borrow	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	Offset account No
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
Legal fee $0	Valuation fee $0
Settlement fee 0	Other upfront fee 0
Ongoing fee $0	Discharge fee 395

Application method

Online	Phone
Broker Talk to an expert	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

Compare and review home loans with similar features

TMD

Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.30

% p.a

Cashback

Refinance your home loan with Suncorp bank and receive a $3000 cash.

Real Time Rating™

Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.34

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

Advertised Rate

2.99

% p.a

Variable

Comparison Rate*

3.03

% p.a

Cashback

$2,000 cashback when you refinance a loan of $250,000 or more

Real Time Rating™

Advertised Rate

2.39

% p.a

Variable

Comparison Rate*

2.39

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

FAQs

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

This loan option comes with a maximum loan-to-value ratio of 89.99 percent, which means it requires a minimum deposit of 10.01 percent

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

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

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

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

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

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

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