RateMovesLenders › P&N Bank home loan rates
P&N Bank home loan rates
32 home loan products and 68 published rates, checked 2 Nov, 12:05 am AEDT. P&N Bank last updated its data 1 Nov 2026.
Lowest P&N Bank rates
| Loan type | Rate | Comparison* |
|---|---|---|
| Variable, owner-occupier, P&I Basic Variable HL LVR <60 (any LVR) | 6.38% | 6.41% |
| Variable, investor, P&I Investor Basic (P&I) LVR <70 (any LVR) | 6.54% | 6.57% |
| Variable, investor, interest only Investor Basic (IO) LVR <70 (any LVR) | 6.84% | 6.65% |
| 1 year fixed, owner-occupier, P&I Fixed Home Loan (P&I) LVR <80 (any LVR) | 6.49% | 6.56% |
| 2 year fixed, owner-occupier, P&I Fixed Home Loan (P&I) LVR >80 (any LVR) | 6.59% | 6.58% |
| 3 year fixed, owner-occupier, P&I Fixed Home Loan (P&I) LVR <80 (any LVR) | 6.69% | 6.61% |
| 4 year fixed, owner-occupier, P&I Fixed Home Loan (P&I) LVR <80 (any LVR) | 6.74% | 6.64% |
| 5 year fixed, owner-occupier, P&I Fixed Home Loan (P&I) LVR <80 (any LVR) | 6.79% | 6.68% |
How does P&N Bank compare? Rank every lender for your loan, or see if switching saves you money.
Rate changes
No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.
All P&N Bank home loans
Basic Variable HL LVR <60 · 1 rate · from 6.38%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.38% | 6.41% |
Basic Variable HL LVR >60-70 · 1 rate · from 6.42%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.42% | 6.45% |
Basic Variable HL LVR >70-80 · 1 rate · from 6.44%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.44% | 6.47% |
Basic Variable HL LVR >80-90 · 1 rate · from 6.74%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.74% | 6.77% |
Basic Variable HL LVR >90-95 · 1 rate · from 7.04%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 7.04% | 7.07% |
Bridging Loan L61 · 1 rate · from 9.77%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 9.77% | 9.80% |
Fixed Home Loan (IO) LVR <80 · 5 rates · from 6.49%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.49% | 6.56% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.49% | 6.56% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.69% | 6.61% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.74% | 6.64% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.79% | 6.68% |
Fixed Home Loan (IO) LVR >80 · 5 rates · from 6.59%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.59% | 6.57% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.59% | 6.58% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.79% | 6.64% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.84% | 6.68% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, interest only | any LVR | 6.89% | 6.72% |
Fixed Home Loan (P&I) LVR <80 · 4 rates · from 6.49%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.49% | 6.56% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.69% | 6.61% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.74% | 6.64% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.79% | 6.68% |
Fixed Home Loan (P&I) LVR >80 · 5 rates · from 6.59%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.59% | 6.57% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.59% | 6.58% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.79% | 6.64% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.84% | 6.68% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.89% | 6.72% |
Fixed Home Loan Inv IO LVR<80 · 5 rates · from 6.64%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.64% | 6.76% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.64% | 6.75% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; https://www.pnbank.com.au/home-loans/investor/fixed-rate/ | Investor, interest only | any LVR | 6.79% | 6.78% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.99% | 6.86% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.99% | 6.88% |
Fixed Home Loan Inv IO LVR>80 · 5 rates · from 6.74%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.74% | 6.77% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.74% | 6.77% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.89% | 6.81% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 7.09% | 6.90% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 7.09% | 6.92% |
Fixed Home Loan Inv P&I LVR<80 · 5 rates · from 6.64%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.64% | 6.76% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.64% | 6.75% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.79% | 6.78% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.99% | 6.86% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.99% | 6.88% |
Fixed Home Loan Inv P&I LVR>80 · 5 rates · from 6.74%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.74% | 6.77% |
| 2 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.74% | 6.77% |
| 3 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.89% | 6.81% |
| 4 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 7.09% | 6.90% |
| 5 year fixed Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 7.09% | 6.92% |
Investor Basic (IO) LVR <70 · 2 rates · from 6.84%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers. ; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.84% | 6.65% |
| Variable Rate available to existing customers. ; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.84% | 6.65% |
Investor Basic (P&I) LVR <70 · 1 rate · from 6.54%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers. ; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.54% | 6.57% |
Investor Basic IO LVR>70-80 · 2 rates · from 6.89%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers. ; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.89% | 6.70% |
| Variable Rate available to existing customers. ; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.89% | 6.70% |
Investor Basic IO LVR>80-90 · 2 rates · from 6.89%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.89% | 6.88% |
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.89% | 6.88% |
Investor Basic P&I LVR>70-80 · 1 rate · from 6.59%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers. ; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.59% | 6.62% |
Investor Basic P&I LVR>80-90 · 1 rate · from 6.84%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.84% | 6.87% |
Investor Offset IO LVR<70 · 2 rates · from 6.85%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.85% | 6.68% |
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.85% | 6.68% |
Investor Offset IO LVR>70-80 · 2 rates · from 6.92%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.92% | 6.73% |
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 6.92% | 6.73% |
Investor Offset IO LVR>80-90 · 1 rate · from 7.24%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, interest only | any LVR | 7.24% | 7.06% |
Investor Offset P&I LVR >70-80 · 1 rate · from 6.62%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.62% | 6.65% |
Investor Offset P&I LVR<70 · 1 rate · from 6.57%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.57% | 6.60% |
Investor Offset P&I LVR>80-90 · 1 rate · from 6.94%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Investor, principal & interest | any LVR | 6.94% | 6.97% |
Offset Variable HL LVR<60 · 1 rate · from 6.42%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.42% | 6.45% |
Offset Variable HL LVR>60-70 · 1 rate · from 6.44%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.44% | 6.47% |
Offset Variable HL LVR>80-90 · 1 rate · from 6.92%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.92% | 6.95% |
Offset Variable HL LVR>90-95 · 1 rate · from 7.45%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 7.45% | 7.48% |
Offset Variable HL>70-80 · 1 rate · from 6.60%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. | Owner-occupier, principal & interest | any LVR | 6.60% | 6.63% |
Reverse Mortgage Home Loan · 1 rate · from 9.25%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Rate available to existing customers.; Rate available for new accounts.; https://www.pnbank.com.au/home-loans/specialty/reverse-mortgage/ | Owner-occupier, interest only | any LVR | 9.25% | 9.28% |
* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.