P&N Bank home loans

P&N Bank was formed as the Polices and Nurses Credit Society in Western Australia in 1990 and is now the state’s largest bank.

The bank is member-owned and headquartered in Perth, with branches throughout Western Australia. It provides a number of financial products, such as personal and home loans, savings accounts, term deposits, credit cards and insurance. The bank also offers financial planning and international money transfer services.

P&N Bank has won numerous awards, including Bank of the Year in the Roy Morgan Customer Satisfaction Awards in 2014.

P&N Bank Home Loan Calculator
Interested in an P&N Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how P&N Bank compares to its competitors. Simply plug in your borrowing amount below.

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Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

24 Nov, 2024

Why choose P&N Bank

Benefits

Package and specialised loans offered.
Discounted rates offered.
Flexible repayment options.

Drawbacks

Branch access limited to WA.
Relatively high variable rates.

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

P&N Bank customer service

P&N customers can contact the bank via a number of channels, including online, via web chat and by email. There is also a general customer phone line, as well as a line for those experiencing financial hardship. Customers can also visit with a P&N staff member at a local branch or make an appointment with a mobile lender.

Customer service centre (phone)
Mobile app
Online banking
Email
Live Chat
Branch
Mobile banking staff

How to Apply

P&N Bank gives potential customers multiple ways of applying for a home loan. These include booking an appointment with a staff member or mobile lender via the P&N website or by phone, email and online. Customers can also make enquiries about home loan products via the P&N website. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

Proof of identity.
Proof of regular income and employment.
Proof of other income, including allowances, pensions and rent.
Details of savings.
Details regarding current debts, liabilities and loans.
Personal insurance documents.

For refinancers you will also have to provide past home loan statements and a current payout quote for the loan you wish to refinance.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Home & Personal Finances Editor, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

P&N Bank home loans

Why choose P&N Bank

Benefits

Drawbacks