As of 18 September 2026, the P&N Fixed Home Loan (IO) LVR >80's 2-year fixed owner-occupier interest-only variant has a comparison rate of 6.33% (6.37% advertised), ranking 5th of 31 2-year fixed owner-occupier interest-only loans. The product comes in 5 variants; the others are interest-only and other fixed terms.
6.37% advertised · 2yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
4 other variants: interest-only and other fixed terms below.
Rate over time
Comparison rate · 2yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR- Fixed Home Loan (IO) LVR >80 · 2yr Fixed · Interest Only · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
- 6.33% comparison · 6.37% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
- 6.33% comparison · 6.37% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
- 6.46% comparison · 6.79% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
- 6.52% comparison · 6.84% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR
- 6.58% comparison · 6.89% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
About this product
The P&N Bank Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate with interest only repayments for one to five years, while still allowing extra repayments of up to $25,000 during the fixed term.