P&N BankEquity Access Account
Looking to finance a new car, a wedding, home renovations? Expand your options with an Equity Access - a flexible line of credit borrowed against the equity in your home.
At a glance
- Variable
- 0.01%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $0
Rates
Every rate P&N Bank publishes for this overdraft, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableOwner occupied | - | - | - | 9.37% | - | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Variable | - | - | up to $100,000 | 0.01% | - | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Variable | - | - | $100,000+ | 0.05% | - | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 14 Oct 2026 | Variable | 9.12% | 9.37% | up 0.25 |
Each change is logged the night it appears in the rates P&N Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
36 fees published, grouped by when they're charged.
- When you take it outUp to $3004 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it offUp to $3952 fees, each listed below
When you take it out4
- Document Preparation Fee
Fee for preparation of loan contracts charged at the time of funding or settlement of the loan.
$300 - Loan Establishment Fee
No fee for establishment or top-up of the home loan.
No fee - Search Admin Fee
Administration fee charged per loan for obtaining title searches
$25 - Valuation Fee
First valuation is free. Additional valuations are charged to you at the cost we have incurred.
No fee
When you make a transaction4
- Foreign Cheque Deposit <$25,000 Fee
$10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch.
$10 - Foreign Cheque Deposit $25,000+ Fee
$60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch.
$60 - Visa Foreign Currency Conversion Fee
3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website…
No fee - Bank@Post Withdrawal Fee
Fee for Bank@Post cash withdrawal at participating Australia Post offices.
$3
If a payment is late or fails6
- Auto Transfer Dishonour Fee
Where a line of credit has insufficient available funds to cover an external auto transfer, or BPAY transaction, and the transaction is dishonoured by P&N.
$6 - Dishonour Fee
Payable when a direct debit set up on your line of credit, is dishonoured due to insufficient funds.
$6 - Collection Agent Administration Fee
Payable when a payment to a home loan becomes overdue for more than 90 days and we choose to engage an external collection agent.
$100 90 days after it's due - Default Notification Fee
Payable at cost when we issue a default notice because you are in default under the contract.
Varies 46 days after it's due - Late Payment Notification Fee
Charged when a payment to a home loan becomes overdue by 11 days and 30 days.
$5 11 days after it's due - Management Administration Fee
Charged monthly when a payment to a home loan becomes overdue by more than 90 days.
$50 90 days after it's due
When particular things happen12
- Bank Cheque Fee
Per bank cheque requested by you.
$10 - Over Limit Management Fee
Charged when an overdraft or line of credit account exceeds the approved limit by more than $50 during the month.
$10 - Referral Fee
Where a line of credit has insufficient available funds to cover an auto transfer or direct debit transaction, and the transaction is honoured by P&N.
$3.50 - Title Consent Fee
Payable when we are requested to consent to a change relating to your title.
$150 - Withdrawal of Caveat Non-Settlement Fee
Without settlement per document. When we are requested to remove a caveat lodged on a title.
$55 - Withdrawal of Caveat Settlement Fee
With settlement per document. When we are requested to remove a caveat lodged on a title.
$160 - Card Replacement - Standard Fee
For the replacement of a lost or damaged Visa Debit card.
$10 - Card Replacement - Urgent Fee
For the urgent replacement of a lost or damaged Visa Debit card.
$50 - Declined Emergency Visa Card Fee
Payable if your emergency card request is declined.
$70 - Emergency Card Replacement - Approved Fee
For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card.
$320 - Statement Retrieval Fee
Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.
$2.50 - Loan Contract Variation Fee
Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to the term of a loan or a loan account.
$250
When you close it or pay it off2
- Discharge of Mortgage Non-Settlement Fee
Charged for the preparation of documents for the discharge of mortgage where no settlement is required.
$350 - Discharge of Mortgage Settlement Fee
Charged for the preparation of documents for the discharge of mortgage in relation to a settlement.
$395
Other fees8
- Default Interest Rate
A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applyi…
Varies - GOVT Discharge of Mortgage
This fee is payable to the bank in reimbursement of Government charges relating to discharge of mortgage on the security property. Amounts are set by the land titles office by each state or territory.
Varies - GOVT Registration of Mortgage
This fee is payable to the bank in reimbursement of Government charges relating to registration of mortgage on the security property. Amounts are set by the land titles office by each state or territ…
Varies - Legal Fee
Payable at cost when legal advice or services are required over the life of the loan.
Varies - Lenders Mortgage Insurance
LMI is insurance that protects the bank if the borrower/s are unable to make home loan repayments. LMI is required when a borrowers deposit is generally less than 20% of the property value plus other…
Varies - Property Exchange Australia (PEXA) Charges
Payable when we have to register or release of any documents relating to a security electronically, request information or we process a financial settlement using PEXA. Fees are applied as charged by…
Varies - Third Party Document Production Fee
Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security.
Varies - Title Search Fee
This fee is payable to the bank in reimbursement of costs incurred for obtaining title searches on the security property.
Varies
Features
Eligibility and limits
- Minimum age 18
- Residency: At least one applicant must be an Australian or New Zealand citizen or an Australian permanent resident. Income for non-permanent residents isn't included. Australian's living overseas are eligible only if they had prior lending with PNL.
- Available to individuals
- Amount $20,000 to $5,000,000
- Maximum LVR 90%
- Credit eligibilty criteria, terms and conditions, fees and charges apply.
- You must be or become a P&N Bank member
Compare it with others
Put this product through a calculator
Published by P&N Bank under the Consumer Data Right, last changed by them on 14 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.