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.
- From
- 9.12%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 9.12% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 0.01% | Floating Balance Tier 1 | monthly |
| Variable Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 0.05% | Floating Balance Tier 2 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Bank@Post Withdrawal Fee Fee for Bank@Post cash withdrawal at participating Australia Post offices. | Withdrawal | $3.00 |
| Bank Cheque Fee Per bank cheque requested by you. | Event | $10.00 |
| Statement Retrieval Fee Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 |
| Declined Emergency Visa Card Fee Payable if your emergency card request is declined. | Replacement | $70.00 |
| Valuation Fee First valuation is free. Additional valuations are charged to you at the cost we have incurred. | Upfront | $0.00 |
| Legal Fee Payable at cost when legal advice or services are required over the life of the loan. | Other | Variable |
| Third Party Document Production Fee |
Features
- Card access — Visa Debit card available
- Make purchases online or in-store using your Visa Debit card, including paywave.
- Digital banking
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Fraud protection
- Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.
- Guarantor supported
- Subject to our credit policy, the customer may be able to nominate a guarantor during the origination process.
- Real-time payments (NPP)
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Overdraft available
- Drawdown your line of credit at any time without having to reapply. No fixed repayments - make repayments only to keep your balance under the approved limit. Interest is only charged on the amount drawn. Please see our website for more information.
Eligibility
- Minimum age — 18 years
- Individuals onlyMember must be a natural person rather than another legal entity.
- Credit eligibilty criteria, terms and conditions, fees and charges apply.
- You must be or become a P&N Bank member
- Residency status — 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.
Constraints
- Maximum limit — $5,000,000.00Maximum loan amount is $5,000,000
- Maximum LVR — 90%The maximum Loan to Value Ratio is 90%
- Minimum limit — $20,000.00Minimum loan amount is $20,000
More Information
Published by P&N Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 158 · View on CDR.gov.au