Whether you’re starting out as a first home buyer, looking to refinance from another bank or want to switch up your existing home loan, we have a range of owner-occupier loans with loads of options to help you pay off your home loan sooner. After all – that’s the one dream we do all have in common.
And as our customers and owners are one and the same, our profits get reinvested back into the bank – which means we can provide better interest rates, products and services.
Popular home loans
Basic Variable Home Loan
A no frills home loan with no ongoing fees and a low variable interest rate.
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 95% LVR (including LMI)
Offset Variable Home Loan
A variable rate loan that provides flexibility to use your savings to reduce the interest you pay.
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 95% LVR (including LMI)
Fixed Rate Home Loan
Fix your mortgage payments from 1 to 5 years.
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 95% LVR (including LMI)
Specialty home loans
Bridging Loan
Bridge the financing gap between finding your new home and selling your existing one.
Reverse Mortgage Home Loan
A home loan for those aged 65 years and over to access the equity in their property.
Equity Access Home Loan
A line of credit home loan you can use to finance major expenses.
What will your repayments be?
Use our handy calculator to work out what your repayments might be. Or see the difference it makes to your loan term if you make payments weekly, fortnightly, or monthly.
Repayment calculator
More calculators
Expand your home loan knowledge
Tips for saving money on your home loan
Interest rates have risen, but there are still some things you can do save money on your home loan. Find out how to save with these helpful tips.
Home loan jargon and features, explained
This article explains some of the common features of a home loan as well as some of the jargon you'll hear when looking to purchase your first home.
Fixed rate home loans vs. Variable rate home loans
In this article we’ll compare fixed rate home loans and variable rate home loans and explain the potential positives and potential negatives of each.
A local team of specialists you can trust
More local knowledge from our team of experts means less time wasting for you. We know you’ve got better things to do.
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Our mobile lenders will come to you anywhere in the Perth metro area, or as far south as Bunbury.
Ready to apply?
Set up a phone, video or in-person appointment with one of our home loan specialists.
Talk to our friendly team
Got a question? Call us on 13 25 77 or pop into your nearest branch.
Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.
Please consider the terms and conditions and whether a product is right for you.
- View terms & conditions
- View fees and charges
- View credit guide
- Create a Home Loan Key Fact Sheet
- View LMI Information Fact Sheet
- View Target Market Determinations (TMDs)
*Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.