As of 18 September 2026, the P&N Offset Variable HL>70-80's variable owner-occupier P&I variant has a comparison rate of 6.38% (6.35% advertised), ranking 45th of 107 variable owner-occupier P&I loans and sitting 0.38 points below the market average of 6.76%.
6.38%comparison rate p.a.
6.35% advertised · Variable · P&I · Owner-occupier
Rate over time
Comparison rate · Variable · P&I · Owner-occupier- Offset Variable HL>70-80 · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier
- 6.38% comparison · 6.35% advertised
Fees
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
- Redraw fee
- None
Features
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
About this product
A low variable rate home loan, with the added feature of a 100% offset account for owner occupiers.