P&N Bank Smooth Home Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier, investor taking out a principal & interest, interest only loan of at least $20,000 with an LVR below 80%

The details shown below are for an owner occupier, investor taking out a principal & interest, interest only loan of at least $20,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier, Investor (Principal & Interest, Interest Only)

    LVR < 80%

    Loan: $20,000

  • Owner Occupier, Investor (Principal & Interest, Interest Only)

    LVR 80%-90%

    Loan: $20,000

4.28% p.a.

4.31% p.a.

$0.00

P&N Bank Smooth Home Loan

4.28% p.a.

4.31% p.a.

$0.00

4.38% p.a.

4.41% p.a.

$0.00

P&N Bank Smooth Home Loan

4.38% p.a.

4.41% p.a.

$0.00

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.28% p.a.

  • n/a

  • n/a

  • n/a

  • 4.31% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $395.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier, Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Legal & valuation fee is payable 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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.38% p.a.

  • n/a

  • n/a

  • n/a

  • 4.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $395.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $20,000

  • none

  • 80.00%

  • 90.00%

Features
  • Owner Occupier, Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $1,000.00

  • yes

  • no

  • Legal & valuation fee is payable 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.

Customer Reviews

How are P&N Bank home loans rated by the Mozo community?

Overall customer rating
8.2/10
Price
8.0/10
Features
7.3/10
Customer service
8.5/10
Convenience
8.2/10
Trust
8.3/10

Latest reviews of P&N Bank Smooth Home Loan

  • Overall
    2/10
    Terrible service

    Disorganised. Make you do the leg work and go to them. They stuff up and you pay the price.

    Disorganised. Make you do the leg work and go to them. They stuff up and you pay the price.

    Price
    6/10
    Features
    5/10
    Customer service
    2/10
    Convenience
    2/10
    Trust
    2/10

    Diane | Western Australia

    reviewed about 6 years ago

  • Overall
    9/10
    Great rates, great service

    The Dream Home Loan is a great loan that meets my needs allowing for low interest rates and easy...

    The Dream Home Loan is a great loan that meets my needs allowing for low interest rates and easy access to renew funds after a period of time with them. All information in regards to the loan is clearly listed on the internet.

    Price
    8/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    8/10

    Rob | Victoria

    reviewed over 6 years ago

  • Overall
    6/10
    Good rates and great customer service

    P & N Mutual Banking i find are very friendly and helpful, whether by phone or in person. Your...

    P & N Mutual Banking i find are very friendly and helpful, whether by phone or in person. Your never kept waiting long and they always try to help you in the best possible way to suit you more than themselves.

    Price
    7/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    7/10

    Cherrie | Western Australia

    reviewed about 7 years ago

P&N Bank

About P&N Bank

P&N Bank is Western Australia's largest mutual bank, and offers competitive rates and fees that are personalised to its members. Formerly Police & Nurses Credit Society, P&N has served the local Western Australian community for over 30 years, and provides a range of quality banking and financial services including credit cards, bank and savings accounts, term deposits, home and personals loans, and insurance products. As a mutual bank, every member has a say, and profits go directly back into benefiting its members.

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$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.