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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkCompare
Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

P&N Bank is Western Australia’s largest, locally owned and managed bank.

It was established in 1969 as the WA Police Union Cooperative Credit Union Society Ltd, became Police & Nurses Credit Society in 1990, and finally became P&N Bank in 2013.

Operating under a customer-owned or mutual model, it is a bank for everyone – its members come from all walks of life, fulfilling its purpose of enriching the lives of its members and their communities.

P&N Bank provides a genuine banking alternative for people who value competitive and convenient retail banking products, outstanding customer service and a community spirit that works to provide a helping hand to those in need. Its team strives to create exceptional member experiences for its existing members while educating more people about the benefits of customer-owned banking.

P&N Bank has its head office in Perth and has other branches throughout WA: Ocean Keys, Whitfords, Joondalup, Innaloo, Warwick, Belmont, Morley, Midland, Maddington, Success, Rockingham, Mandurah, and Bunbury. Aside from these, you can access the bank’s contact centre that works WA business hours Monday to Saturday.

The bank provides a number of financial products, such as personal and home loans, everyday and savings accounts, term deposits, credit cards and insurance. It also offers financial planning and international money transfer services.

When you apply for a home loan with P&N Bank, here are some of the things you will need to have with you:

  • Photograph ID – such as a driver’s licence or passport
  • Proof of a regular income – such as your two most recent payslips or group certificates
  • Proof of any other sources of income – including pensions, rental income or family allowances
  • Details on any debts or credits you have
  • Details about any assets, savings and life insurance policies you may have
  • A copy of the signed “offer and acceptance” for the property you are buying
  • For refinancers: Past home loan statements and a current payout quote for the loan you wish to refinance

P&N Bank provides 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. You can also make enquiries about home loan products via the P&N website.