Home loan · Variable
Offset
6.97%comparison rate p.a. · 6.94% advertised
Variable · P&I · Investor · 80.01–90% LVR
68th of 83 variable investor P&I loans
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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Investor · ≤70% LVR
- 6.60% comparison · 6.57% advertised
- Variable · P&I · Investor · 70.01–80% LVR
- 6.65% comparison · 6.62% advertised
- Variable · P&I · Investor · 80.01–90% LVR
- 6.97% comparison · 6.94% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 6.68% comparison · 6.85% advertised
- Variable · Interest Only · Investor · 70.01–80% LVR
- 6.73% comparison · 6.92% advertised
- Variable · Interest Only · Investor · 80.01–90% LVR
- 7.06% comparison · 7.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
- Offset · Variable · P&I · Investor
- RBA cash rate
- Investor Offset P&I LVR<70variable investor P&I 6.35 → 6.6014 days after the RBA rise to 4.60%+0.25
- Investor Offset P&I LVR>80-90variable investor P&I 6.72 → 6.9714 days after the RBA rise to 4.60%+0.25
- Investor Offset IO LVR>70-80variable investor interest-only 6.48 → 6.7314 days after the RBA rise to 4.60%+0.25
- Investor Offset P&I LVR >70-80variable investor P&I 6.40 → 6.6514 days after the RBA rise to 4.60%+0.25
- Investor Offset IO LVR>80-90variable investor interest-only 6.80 → 7.0614 days after the RBA rise to 4.60%+0.26
- Investor Offset IO LVR<70variable investor interest-only 6.43 → 6.6814 days after the RBA rise to 4.60%+0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
P&N Bank's Investor Offset home loan is a variable home loan suitable for investors, with 100% offset account, no monthly fee and no application fees.
Also from P&N: Offset Variable HL 6.45% · Basic Variable HL 6.47% · Fixed Home Loan 6.56% · Basic 6.57% · Offset Variable HL>70-80 6.63%
As of 15 October 2026, the P&N Offset's variable investor P&I variant has a comparison rate of 6.60% (6.57% advertised), ranking 32nd of 83 variable investor P&I loans. The product comes in 6 variants; the others are investor, interest-only 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.