P&N Bank
Equity 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.
OverdraftsBank updated 23 Sept 2026
At a glance
- Variable
- 0.01%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $325
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableOwner occupied | — | — | — | 9.12% | — | 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. |
§ 02 — Fees · 36
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Foreign Cheque Deposit <$25,000 Fee | Deposit | $10 | — | $10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch. |
| Foreign Cheque Deposit $25,000+ Fee | Deposit | $60 | — | $60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch. |
| Auto Transfer Dishonour Fee | Dishonour | $6 | — | 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. |
| Dishonour Fee | Dishonour | $6 | — | Payable when a direct debit set up on your line of credit, is dishonoured due to insufficient funds. |
| Bank Cheque Fee | Event | $10 | — | Per bank cheque requested by you. |
| Over Limit Management Fee | Event | $10 | — | Charged when an overdraft or line of credit account exceeds the approved limit by more than $50 during the month. |
| Referral Fee | Event | $3.50 | — | 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. |
| Title Consent Fee | Event | $150 | — | Payable when we are requested to consent to a change relating to your title. |
| Withdrawal of Caveat Non-Settlement Fee | Event | $55 | — | Without settlement per document. When we are requested to remove a caveat lodged on a title. |
| Withdrawal of Caveat Settlement Fee | Event | $160 | — | With settlement per document. When we are requested to remove a caveat lodged on a title. |
| Discharge of Mortgage Non-Settlement Fee | Exit | $350 | — | Charged for the preparation of documents for the discharge of mortgage where no settlement is required. |
| Discharge of Mortgage Settlement Fee | Exit | $395 | — | Charged for the preparation of documents for the discharge of mortgage in relation to a settlement. |
| Collection Agent Administration Fee | Late payment | $100 | 90 days after due | Payable when a payment to a home loan becomes overdue for more than 90 days and we choose to engage an external collection agent. |
| Default Notification Fee | Late payment | Varies | 46 days after due | Payable at cost when we issue a default notice because you are in default under the contract. |
| Late Payment Notification Fee | Late payment | $5 | 11 days after due | Charged when a payment to a home loan becomes overdue by 11 days and 30 days. |
| Management Administration Fee | Late payment | $50 | 90 days after due | Charged monthly when a payment to a home loan becomes overdue by more than 90 days. |
| Default Interest Rate | Other | Varies | — | 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… |
| GOVT Discharge of Mortgage | Other | Varies | — | 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. |
| GOVT Registration of Mortgage | Other | Varies | — | 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… |
| Legal Fee | Other | Varies | — | Payable at cost when legal advice or services are required over the life of the loan. |
| Lenders Mortgage Insurance | Other | Varies | — | 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… |
| Property Exchange Australia (PEXA) Charges | Other | Varies | — | 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… |
| Third Party Document Production Fee | Other | Varies | — | 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. |
| Title Search Fee | Other | Varies | — | This fee is payable to the bank in reimbursement of costs incurred for obtaining title searches on the security property. |
| Card Replacement - Standard Fee | Replacement | $10 | — | For the replacement of a lost or damaged Visa Debit card. |
| Card Replacement - Urgent Fee | Replacement | $50 | — | For the urgent replacement of a lost or damaged Visa Debit card. |
| Declined Emergency Visa Card Fee | Replacement | $70 | — | Payable if your emergency card request is declined. |
| Emergency Card Replacement - Approved Fee | Replacement | $320 | — | For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card. |
| Statement Retrieval Fee | Replacement | $2.50 | — | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Visa Foreign Currency Conversion Fee | Transaction | No 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… |
| Document Preparation Fee | Upfront | $300 | — | Fee for preparation of loan contracts charged at the time of funding or settlement of the loan. |
| Loan Establishment Fee | Upfront | No fee | — | No fee for establishment or top-up of the home loan. |
| Search Admin Fee | Upfront | $25 | — | Administration fee charged per loan for obtaining title searches |
| Valuation Fee | Upfront | No fee | — | First valuation is free. Additional valuations are charged to you at the cost we have incurred. |
| Loan Contract Variation Fee | Variation | $250 | — | 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. |
| Bank@Post Withdrawal Fee | Withdrawal | $3 | — | Fee for Bank@Post cash withdrawal at participating Australia Post offices. |
§ 03 — Features
Guarantor optionInstant paymentsDigital bankingFraud protectionOverdraft
§ 04 — Eligibility & 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
§ 06 — Run the numbers
Put this product through a calculator
Published by P&N Bank under the Consumer Data Right, last changed by them on 23 Sept 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.