P&N home loans

P&N also offers savings accounts, credit cards, term deposits and personal loans · Provider overview →

As of 18 September 2026, P&N has 29 home loan products in 53 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.16% (Basic Variable HL LVR <60), ranking 16th of 107 variable owner-occupier P&I loans and sitting 0.60 points below the market average of 6.76%.

Lowest comparison rate: 6.16%; Basic Variable HL LVR <60
Market rank: #16; of 107 variable owner-occupier P&I loans
Products: 29; 53 variants
Last change: —; None recorded yet

Rates over time

Comparison rate of each product's headline variant

What changed

No changes recorded for P&N's home loans since tracking began on 12 September 2026.

Home loans

Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate

Variable · 23

Basic Variable HL LVR <60
Variable · P&I · Owner-occupier · ≤60% LVR · redraw · no ongoing fee
6.16%#16 of 107
Basic Variable HL LVR >60-70
Variable · P&I · Owner-occupier · 60.01–70% LVR · redraw · no ongoing fee
6.20%#19 of 107
Offset Variable HL LVR<60
Variable · P&I · Owner-occupier · ≤60% LVR · offset account · redraw · no ongoing fee
6.20%#19 of 107
Basic Variable HL LVR >70-80
Variable · P&I · Owner-occupier · 70.01–80% LVR · redraw · no ongoing fee
6.22%#22 of 107
Offset Variable HL LVR>60-70
Variable · P&I · Owner-occupier · 60.01–70% LVR · offset account · redraw · no ongoing fee
6.22%#22 of 107
Investor Basic (P&I) LVR <70
Variable · P&I · Investor · ≤70% LVR · redraw · no ongoing fee
6.32%#6 of 81
Investor Offset P&I LVR<70
Variable · P&I · Investor · ≤70% LVR · offset account · redraw · no ongoing fee
6.35%#11 of 81
Investor Basic P&I LVR>70-80
Variable · P&I · Investor · 70.01–80% LVR · redraw · no ongoing fee
6.37%#13 of 81
Offset Variable HL>70-80
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.38%#45 of 107
Investor Offset P&I LVR >70-80
Variable · P&I · Investor · 70.01–80% LVR · offset account · redraw · no ongoing fee
6.40%#14 of 81
Investor Basic (IO) LVR <70
Variable · Interest Only · Investor · ≤70% LVR · redraw · no ongoing fee
6.40%#5 of 80
Investor Offset IO LVR<70
Variable · Interest Only · Investor · ≤70% LVR · offset account · redraw · no ongoing fee
6.43%#8 of 80
Investor Basic IO LVR>70-80
Variable · Interest Only · Investor · 70.01–80% LVR · redraw · no ongoing fee
6.45%#11 of 80
Investor Offset IO LVR>70-80
Variable · Interest Only · Investor · 70.01–80% LVR · offset account · redraw · no ongoing fee
6.48%#12 of 80
Basic Variable HL LVR >80-90
Variable · P&I · Owner-occupier · 80.01–90% LVR · redraw · no ongoing fee
6.52%#60 of 107
Investor Basic P&I LVR>80-90
Variable · P&I · Investor · 80.01–90% LVR · redraw · no ongoing fee
6.62%#38 of 81
Investor Basic IO LVR>80-90
Variable · Interest Only · Investor · 80.01–90% LVR · redraw · no ongoing fee
6.63%#27 of 80
Offset Variable HL LVR>80-90
Variable · P&I · Owner-occupier · 80.01–90% LVR · offset account · redraw · no ongoing fee
6.70%#71 of 107
Investor Offset P&I LVR>80-90
Variable · P&I · Investor · 80.01–90% LVR · offset account · redraw · no ongoing fee
6.72%#44 of 81
Investor Offset IO LVR>80-90
Variable · Interest Only · Investor · 80.01–90% LVR · offset account · redraw · no ongoing fee
6.80%#36 of 80
Basic Variable HL LVR >90-95
Variable · P&I · Owner-occupier · 90.01–95% LVR · redraw · no ongoing fee
6.82%#81 of 107
Offset Variable HL LVR>90-95
Variable · P&I · Owner-occupier · 90.01–95% LVR · offset account · redraw · no ongoing fee
7.23%#92 of 107
Reverse Mortgage Home Loan
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
9.03%#53 of 68

Fixed · 6

Fixed Home Loan (IO) LVR >80
2yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR · no ongoing fee · 5 variants
6.33%#5 of 31
Fixed Home Loan (P&I) LVR >80
2yr Fixed · P&I · Owner-occupier · 80.01–95% LVR · no ongoing fee · 5 variants
6.33%#13 of 49
Fixed Home Loan Inv IO LVR<80
2yr Fixed · Interest Only · Investor · ≤80% LVR · no ongoing fee · 5 variants
6.50%#6 of 45
Fixed Home Loan Inv P&I LVR<80
2yr Fixed · P&I · Investor · ≤80% LVR · no ongoing fee · 5 variants
6.50%#7 of 45
Fixed Home Loan Inv IO LVR>80
2yr Fixed · Interest Only · Investor · 80.01–95% LVR · no ongoing fee · 5 variants
6.52%#8 of 45
Fixed Home Loan Inv P&I LVR>80
2yr Fixed · P&I · Investor · 80.01–95% LVR · no ongoing fee · 5 variants
6.52%#12 of 45

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report

Notes on P&N home loans

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