Second hike in a month: Macquarie lifts fixed home loan rates
The major lender has jacked up fixed rates for owner-occupiers and investors for the secon...
05 Dec, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
5.09% p.a. | 5.64% p.a. | $2,712 | Principal & Interest | Fixed | $0 | $300 | 80% | |||||||||||||
5.09% p.a. | 5.48% p.a. | $2,712 | Principal & Interest | Fixed | $0 | $300 | 80% | |||||||||||||
5.19% p.a. | 5.66% p.a. | $2,742 | Principal & Interest | Fixed | $0 | $300 | 80% | |||||||||||||
5.19% p.a. | 5.50% p.a. | $2,742 | Principal & Interest | Fixed | $0 | $300 | 90% | |||||||||||||
5.24% p.a. | 5.72% p.a. | $2,758 | Principal & Interest | Fixed | $0 | $300 | 80% | |||||||||||||
5.24% p.a. | 5.54% p.a. | $2,758 | Principal & Interest | Fixed | $0 | $300 | 80% | |||||||||||||
5.29% p.a. | 5.50% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $300 | 80% | |||||||||||||
5.34% p.a. | 5.73% p.a. | $2,789 | Principal & Interest | Fixed | $0 | $300 | 80% |
Important Information and Comparison Rate Warning
What you need to know about P&N Bank home loans
P&N Bank - or Police & Nurses Limited - is Western Australia's largest locally-based customer-owned bank. Established in 1969 as a police credit union, it has evolved through mergers and rebrands to serve members statewide, reinvesting profits for their benefit.
You might find P&N Bank a good fit if you:
- Prefer a customer-owned lender
As a mutual, P&N's customers are also its owners, so surplus earnings are channelled back into better rates, products, and service. - Live in WA and value both face-to-face and digital support
The bank maintains around a dozen branches across the Perth metropolitan area and Bunbury and backs this up with internet banking, a mobile app, a contact centre, and mobile lenders. - Want flexible home loan options
The lender offers a range of variable, fixed, offset, and specialist loans for owner-occupiers and investors. - Care about community impact
Through its Empowerment Grants program, P&N directs funding to assist Western Australians facing hardship and to support local not-for-profits. - Value sustainability commitments
P&N has a Climate Action Plan, is working towards carbon-neutral operations and has signed the Co-operatives and Mutuals Declaration of Climate Action to formalise its net-zero ambitions.
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