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$3,000 Cashback When You Refinance Your Home Loan with P&N Bank (Rates from 1.99% p.a.)

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Switch your home loan to P&N Bank and you’ll get an extremely competitive rate and could receive a $3,000 cashback.

Available for a limited time only, for new borrowings up to 80% of the property value.

Get our lowest-ever fixed rate
Starting from 1.99% p.a. (3.39% p.a. comp rate)

Fixed Rate Home Loan - Owner Occupied

Fixed Rate Home Loan
< 80.00% Lvr 1 Year 1.99% p.a. Comparison rate 3.70% p.a.
< 80.00% Lvr 2 Year 1.99% p.a. Comparison rate 3.54% p.a.

Fixed Rate Home Loan - Investor
Fixed Rate Home Loan
< 80.00% Lvr 1 Year Term 2.49% p.a. Comparison rate 3.74% p.a.
< 80.00% Lvr 2 Year Term 2.29% p.a. Comparison rate 3.59% p.a.

PLUS 0.18% Bundle Rebate (available via Celebration Finance Only)

Rebates Are Paid Net of Offset/Redraw Post Settlement

In ADDITION to bank rebates, Celebration Finance gives a rebate of 0.18% of loan size (net of offset only). ie balance owing only minus offset amount) for ANY bank or product,

Total Fees eg NSW & VIC incl GST Mortgage Discharge Registration Fee as at is $171.20.(WA)$187(QLD)$116.80(vic)($143.5) The cost of the mortgage registration fee varies from state to state. Here’s what you can expect to pay:

• ACT: $145 New South Wales: $141.60 Northern Territory: $145 Queensland: $187 South Australia: $163 Victoria: $116.80
• Tasmania: $135.09 to register, $167.48 to discharge
• Western Australia: $171.20

Title search fee $14 to $25 all states.
Legal/settlement fee from incoming lender – Approx $100-$350
Discharge admin fee from outgoing lender – Approx $250-$350
Total fees approx $650 – $800 in most cases.

We have some of the lowest rates and can get pricing discounts up to 1.9%.
Our policy is to beat any competitor/broker/lending manager with our rates and rebates, so will do whatever it takes to get the best deal for you.
Please send your contact number if you are sending enquiry by email.
Enquires without phone numbers will not be responded.

Gurbinder kler
Celebration Finance.
M: 0414750586
E: [email protected]
ACL 377294 ACR 501789
Disclaimer: The information provided is for general education purposes only and is not intended to constitute specialist or personal advice. This has been provided without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

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closed Comments

  • I remember some banks don't charge Legal/settlement fee like NAB / ANZ?

  • Hi Baron , ANZ have similar deal as well but all banks charge settlement fee.

    • another question about 0.18% rebate based on net offset —- I remember I can begin to put money back to offest after one week or 2 of settlment, right?

      e.g. I settle now with $0 in offset —- then you caclulate rebate based on total owing —- after bank confirmed the total owing balance — I can then put money back to offset — so don't impact you anymore?

      This happened to my current broker as he asked me to take money out of offset account for 1 week.

  • What are your variable rates?

  • Additional info from their websites:
    Home loan applications must be submitted between 18 January 2021 and 28 February 2021 (inclusive).
    • The home loan must be approved, settled and drawn down by no later than 28 May 2021.
    • The home loan must be by way of a refinance of an existing loan with another financial
    institution.
    • The home loan must be a P&N Bank Owner Occupied/Investor home loan product.
    • The offer is not available for equity lines of credit, bridging loans or loans for construction
    purposes.
    • The amount of the loan must be at least $250,000
    • The Loan to Valuation Ratio (LVR) must be 80% or less.
    • There is a maximum of one cashback payment per refinance application regardless of the
    number of loans, customers or properties involved.
    • Lending must be new to Police & Nurses Limited (refinances of existing P&N Bank and bcu
    loans are excluded from this offer).
    • This offer cannot be used in conjunction with any other home loan cashback offer currently
    being made by Police & Nurses Limited.
    • The $3,000 cashback cannot be used towards the serviceability of the home loan.
    • The cashback can only be paid to a P&N Bank transaction account.
    • This offer is available to Australian residents aged 18 years and over.
    The cashback will be paid to eligible applicants within 45 days of the settlement date by electronic transfer to the member’s P&N Bank transaction account.

  • Is there a minimum loan amount?

  • Do they lend outside of WA? I know their subsidiary bcu doesn’t lend outside QLD and NSW so wondering if P&N has the same conservative policy.