P&N home loans
6 home loans with 23 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Offset Variable HLOffset account · redraw · no ongoing fee–
- Basic Variable HLRedraw · no ongoing fee6.47%
- BasicRedraw · no ongoing fee–
- OffsetOffset account · redraw · no ongoing fee–
- Offset Variable HL>70-80Offset account · redraw · no ongoing fee6.63%
- Fixed Home LoanNo ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20268 changes
- 14Wed
- +0.25
- Investor Basic IO LVR>80-90variable investor interest-only 6.63 → 6.8814 days after the RBA rise to 4.60%+0.25
- Offset Variable HL LVR>90-95variable owner-occupier P&I 7.23 → 7.4814 days after the RBA rise to 4.60%+0.25
- Basic Variable HL LVR >80-90variable owner-occupier P&I 6.52 → 6.7714 days after the RBA rise to 4.60%+0.25
- +0.14 to +0.23
- Offset Variable HL LVR>80-90variable owner-occupier P&I 6.70 → 6.9514 days after the RBA rise to 4.60%+0.25
- Basic Variable HL LVR >90-95variable owner-occupier P&I 6.82 → 7.0714 days after the RBA rise to 4.60%+0.25
- +0.25
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on P&N home loans
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As of 1 November 2026, P&N has six home loan products in 62 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.45% (Offset Variable HL), ranking 35th of 93 variable owner-occupier P&I loans and sitting 0.13 points below the market average of 6.58%. Its rates last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.