The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $50,000 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan of at least $50,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
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Owner Occupier | Principal & Interest | 60%-90% | $50,000 | |
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Owner Occupier | Principal & Interest | < 60% | $50,000 | |
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Investor | Principal & Interest | < 70% | $50,000 | |
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Investor | Principal & Interest | 70%-90% | $50,000 | |
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Investor | Interest Only | < 70% | $50,000 | |
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Investor | Interest Only | 70%-90% | $50,000 |
Owner Occupier (Principal & Interest)
LVR 60%-90%
Loan: $50,000
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $50,000
Investor (Principal & Interest)
LVR < 70%
Loan: $50,000
Investor (Principal & Interest)
LVR 70%-90%
Loan: $50,000
Investor (Interest Only)
LVR < 70%
Loan: $50,000
Investor (Interest Only)
LVR 70%-90%
Loan: $50,000
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2.19% p.a. |
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n/a |
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n/a |
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n/a |
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2.19% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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n/a |
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$0.00 |
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$0.00 |
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n/a |
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$0.00 |
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$395.00 |
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$50,000 |
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none |
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60.00% |
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90.00% |
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Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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none |
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yes - free |
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$1,000.00 |
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yes |
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no |
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Legal and valuation fees charged at cost. |
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none |
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none |
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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2.09% p.a. |
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n/a |
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n/a |
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n/a |
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2.09% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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n/a |
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$0.00 |
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$0.00 |
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n/a |
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$0.00 |
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$395.00 |
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$50,000 |
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none |
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none |
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60.00% |
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Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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none |
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yes - free |
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$1,000.00 |
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yes |
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no |
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Legal and valuation fees charged at cost. |
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none |
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none |
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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2.29% p.a. |
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n/a |
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n/a |
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n/a |
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2.29% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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n/a |
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$0.00 |
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$0.00 |
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n/a |
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n/a |
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$395.00 |
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$50,000 |
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none |
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none |
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70.00% |
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Investor |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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none |
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yes - free |
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$1,000.00 |
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none |
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no |
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Legal and valuation fees charged at cost. |
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none |
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none |
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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2.49% p.a. |
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n/a |
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n/a |
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n/a |
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2.49% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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$0.00 |
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n/a |
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n/a |
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$395.00 |
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$50,000 |
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none |
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70.00% |
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90.00% |
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Investor |
|
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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none |
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yes - free |
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$1,000.00 |
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none |
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no |
|
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Legal and valuation fees charged at cost. |
|
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none |
|
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none |
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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2.59% p.a. |
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n/a |
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n/a |
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n/a |
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2.36% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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n/a |
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$0.00 |
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$0.00 |
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n/a |
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n/a |
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$395.00 |
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$50,000 |
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none |
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none |
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70.00% |
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Investor |
|
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Interest Only |
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Weekly, Fortnightly, Monthly |
|
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yes - free |
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none |
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yes - free |
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$1,000.00 |
|
|
none |
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no |
|
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Legal and valuation fees charged at cost. |
|
|
none |
|
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none |
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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2.74% p.a. |
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n/a |
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n/a |
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n/a |
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2.55% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
|
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n/a |
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|
n/a |
|
n/a |
|
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n/a |
|
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$0.00 |
|
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$0.00 |
|
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n/a |
|
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n/a |
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$395.00 |
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$50,000 |
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none |
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70.00% |
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90.00% |
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Investor |
|
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Interest Only |
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Weekly, Fortnightly, Monthly |
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yes - free |
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none |
|
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yes - free |
|
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$1,000.00 |
|
|
none |
|
|
no |
|
|
Legal and valuation fees charged at cost. |
|
|
none |
|
|
none |
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Terrible service. Waited four weeks to refinance had to call myself, got told paperwork was now out of date, submitted new paperwork had to ring after two weeks of nothing got the run around and canceled my application. Never again
Read full reviewTerrible service. Waited four weeks to refinance had to call myself, got told paperwork was now out of date, submitted new paperwork had to ring after two weeks of nothing got the run around and canceled my application. Never again
The staff are always friendly.
Read full reviewThe staff are always friendly.
Firstly I prefer a credit society like P&N as I believe they are not totally sold on gaining profit off the mortgagees and I believe their rates are better than the big banks. I like their low rate credit card that comes with the home loans, that effectively gives us another AUD20000 of lending on top of our loan amount. That helped us to renovate our kitchen for the home we bought. The part I am put off by P&N is their ease of use. I can just walk in to the big banks and there is always someone I can engage personally instead of waiting on the phone hour hours for a simple yes/no question. P&N has very limited outlets. In the past I have made a few phone calls to P&N. Although they solved my queries, the wait time was horrendous, and I feel there is lack of personal touch like seeing a person face to face.
Read full reviewFirstly I prefer a credit society like P&N as I believe they are not totally sold on gaining profit off the mortgagees and I believe their rates are better than the big banks. I like their low rate credit card that comes with the home loans, that effectively gives us another AUD20000 of lending on top of our loan amount. That helped us to renovate our kitchen for the home we bought. The part I am put off by P&N is their ease of use. I can just walk in to the big banks and there is always someone I can engage personally instead of waiting on the phone hour hours for a simple yes/no question. P&N has very limited outlets. In the past I have made a few phone calls to P&N. Although they solved my queries, the wait time was horrendous, and I feel there is lack of personal touch like seeing a person face to face.
Wait times for processing applications are beyond a joke. We were told applications would be delivered by certain dates. These were delivered weeks later. They completed our first home owners grant application incorrectly, after waiting a week longer than they advised us we would wait. They had to resubmit and made us wait even longer! Not a good start to using their services. They forced us to push settlement date twice because they did not deliver to our very reasonable deadlines.
Read full reviewWait times for processing applications are beyond a joke. We were told applications would be delivered by certain dates. These were delivered weeks later. They completed our first home owners grant application incorrectly, after waiting a week longer than they advised us we would wait. They had to resubmit and made us wait even longer! Not a good start to using their services. They forced us to push settlement date twice because they did not deliver to our very reasonable deadlines.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a. variable
2.46% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a. variable
3.35% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a. variable
2.46% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a. variable
3.35% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a.
2.46% p.a.
Qudos Bank
Fixed Rate Home Loan
4.19% p.a.
fixed 3 years
3.11% p.a.
Heritage Bank
Fixed Rate Loan (Home Advantage)
4.49% p.a.
fixed 3 years
3.50% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a.
2.46% p.a.
$0.00
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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
