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Home loan · 2yr Fixed

Fixed Home Loan

Rate
Loan for
Repayments
Deposit

6.56%comparison rate p.a. · 6.49% advertised

2yr Fixed · P&I · Owner-occupier · ≤80% LVR

21st of 50 2-year fixed owner-occupier P&I loans

Go to P&N

The same choices at every rate type

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.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$395
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.56% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 80.01–95% LVR
6.57% comparison · 6.59% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.56% comparison · 6.49% advertised
1yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
6.57% comparison · 6.59% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
6.76% comparison · 6.64% advertised
1yr Fixed · P&I · Investor · 80.01–95% LVR
6.77% comparison · 6.74% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
6.76% comparison · 6.64% advertised
1yr Fixed · Interest Only · Investor · 80.01–95% LVR
6.77% comparison · 6.74% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.56% comparison · 6.49% advertised
2yr Fixed · P&I · Owner-occupier · 80.01–95% LVR
6.58% comparison · 6.59% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.56% comparison · 6.49% advertised
2yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
6.58% comparison · 6.59% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
6.75% comparison · 6.64% advertised
2yr Fixed · P&I · Investor · 80.01–95% LVR
6.77% comparison · 6.74% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
6.75% comparison · 6.64% advertised
2yr Fixed · Interest Only · Investor · 80.01–95% LVR
6.77% comparison · 6.74% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.61% comparison · 6.69% advertised
3yr Fixed · P&I · Owner-occupier · 80.01–95% LVR
6.64% comparison · 6.79% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.61% comparison · 6.69% advertised
3yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
6.64% comparison · 6.79% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
6.78% comparison · 6.79% advertised
3yr Fixed · P&I · Investor · 80.01–95% LVR
6.81% comparison · 6.89% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
6.78% comparison · 6.79% advertised
3yr Fixed · Interest Only · Investor · 80.01–95% LVR
6.81% comparison · 6.89% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.64% comparison · 6.74% advertised
4yr Fixed · P&I · Owner-occupier · 80.01–95% LVR
6.68% comparison · 6.84% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.64% comparison · 6.74% advertised
4yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
6.68% comparison · 6.84% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
6.86% comparison · 6.99% advertised
4yr Fixed · P&I · Investor · 80.01–95% LVR
6.90% comparison · 7.09% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
6.86% comparison · 6.99% advertised
4yr Fixed · Interest Only · Investor · 80.01–95% LVR
6.90% comparison · 7.09% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.68% comparison · 6.79% advertised
5yr Fixed · P&I · Owner-occupier · 80.01–95% LVR
6.72% comparison · 6.89% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.68% comparison · 6.79% advertised
5yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
6.72% comparison · 6.89% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
6.88% comparison · 6.99% advertised
5yr Fixed · P&I · Investor · 80.01–95% LVR
6.92% comparison · 7.09% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
6.88% comparison · 6.99% advertised
5yr Fixed · Interest Only · Investor · 80.01–95% LVR
6.92% comparison · 7.09% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$395
Valuation fee
None

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$20,000
Maximum loan
$5,000,000

  • Fixed Home Loan · 2yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00AugSepToday6.56% p.a. today
  1. Fixed Home Loan Inv P&I LVR>805 variants up 0.14 to 0.2314 days after the RBA rise to 4.60%
    All P&I · Investor · 80.01–95% LVR
    1yr Fixed6.546.77+0.23
    2yr Fixed6.576.77+0.20
    3yr Fixed6.636.81+0.18
    4yr Fixed6.746.90+0.16
    5yr Fixed6.786.92+0.14
    +0.14 to +0.23
  2. Fixed Home Loan (P&I) LVR <805 variants up 0.14 to 0.2214 days after the RBA rise to 4.60%
    All P&I · Owner-occupier · ≤80% LVR
    1yr Fixed6.346.56+0.22
    2yr Fixed6.366.56+0.20
    3yr Fixed6.436.61+0.18
    4yr Fixed6.486.64+0.16
    5yr Fixed6.546.68+0.14
    +0.14 to +0.22
  3. Fixed Home Loan (P&I) LVR >805 variants up 0.14 to 0.2214 days after the RBA rise to 4.60%
    All P&I · Owner-occupier · 80.01–95% LVR
    1yr Fixed6.356.57+0.22
    2yr Fixed6.386.58+0.20
    3yr Fixed6.466.64+0.18
    4yr Fixed6.526.68+0.16
    5yr Fixed6.586.72+0.14
    +0.14 to +0.22
  4. Fixed Home Loan (IO) LVR <805 variants up 0.14 to 0.2214 days after the RBA rise to 4.60%
    All Interest Only · Owner-occupier · ≤80% LVR
    1yr Fixed6.346.56+0.22
    2yr Fixed6.366.56+0.20
    3yr Fixed6.436.61+0.18
    4yr Fixed6.486.64+0.16
    5yr Fixed6.546.68+0.14
    +0.14 to +0.22
  5. Fixed Home Loan (IO) LVR >805 variants up 0.14 to 0.2214 days after the RBA rise to 4.60%
    All Interest Only · Owner-occupier · 80.01–95% LVR
    1yr Fixed6.356.57+0.22
    2yr Fixed6.386.58+0.20
    3yr Fixed6.466.64+0.18
    4yr Fixed6.526.68+0.16
    5yr Fixed6.586.72+0.14
    +0.14 to +0.22
  6. Fixed Home Loan Inv P&I LVR<805 variants up 0.14 to 0.2314 days after the RBA rise to 4.60%
    All P&I · Investor · ≤80% LVR
    1yr Fixed6.536.76+0.23
    2yr Fixed6.556.75+0.20
    3yr Fixed6.606.78+0.18
    4yr Fixed6.706.86+0.16
    5yr Fixed6.746.88+0.14
    +0.14 to +0.23
  1. Fixed Home Loan Inv IO LVR<805 variants up 0.14 to 0.2314 days after the RBA rise to 4.60%
    All Interest Only · Investor · ≤80% LVR
    1yr Fixed6.536.76+0.23
    2yr Fixed6.556.75+0.20
    3yr Fixed6.606.78+0.18
    4yr Fixed6.706.86+0.16
    5yr Fixed6.746.88+0.14
    +0.14 to +0.23
  2. Fixed Home Loan Inv IO LVR>805 variants up 0.14 to 0.2314 days after the RBA rise to 4.60%
    All Interest Only · Investor · 80.01–95% LVR
    1yr Fixed6.546.77+0.23
    2yr Fixed6.576.77+0.20
    3yr Fixed6.636.81+0.18
    4yr Fixed6.746.90+0.16
    5yr Fixed6.786.92+0.14
    +0.14 to +0.23
  3. Fixed Home Loan (IO) LVR >802 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All Interest Only · Owner-occupier · 80.01–95% LVR
    1yr Fixed6.336.35+0.02
    2yr Fixed6.336.38+0.05
    +0.02 to +0.05
  4. Fixed Home Loan Inv IO LVR>802 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All Interest Only · Investor · 80.01–95% LVR
    1yr Fixed6.526.54+0.02
    2yr Fixed6.526.57+0.05
    +0.02 to +0.05
  5. Fixed Home Loan (P&I) LVR >802 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All P&I · Owner-occupier · 80.01–95% LVR
    1yr Fixed6.336.35+0.02
    2yr Fixed6.336.38+0.05
    +0.02 to +0.05
  6. Fixed Home Loan Inv P&I LVR>802 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All P&I · Investor · 80.01–95% LVR
    1yr Fixed6.526.54+0.02
    2yr Fixed6.526.57+0.05
    +0.02 to +0.05
  7. Fixed Home Loan Inv IO LVR<802 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All Interest Only · Investor · ≤80% LVR
    1yr Fixed6.516.53+0.02
    2yr Fixed6.506.55+0.05
    +0.02 to +0.05
  8. Fixed Home Loan (P&I) LVR <801-year fixed owner-occupier P&I 6.32 → 6.34a day after the RBA rise to 4.60%
    +0.02
  9. Fixed Home Loan Inv P&I LVR<802 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All P&I · Investor · ≤80% LVR
    1yr Fixed6.516.53+0.02
    2yr Fixed6.506.55+0.05
    +0.02 to +0.05

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

The P&N Bank Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate for one to five years, while still allowing extra repayments of up to $25,000 during the fixed term.

Also from P&N: Offset Variable HL 6.45% · Basic Variable HL 6.47% · Basic 6.57% · Offset 6.60% · Offset Variable HL>70-80 6.63%

As of 15 October 2026, the P&N Fixed Home Loan's 2-year fixed owner-occupier P&I variant has a comparison rate of 6.56% (6.49% advertised), ranking 21st of 50 2-year fixed owner-occupier P&I loans. The product comes in 40 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate 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.