P&N

As of 18 September 2026, P&N has 49 products across five of the 8 pillars BankMate tracks: 2 savings accounts, 2 credit cards, 29 home loans, 14 term deposits and 2 personal loans. Its highest-placed product is 6 Month Term Deposit at 5.20% p.a. for 6 months, 13th of 547 6-month deposits. Its rates last moved on 25 August 2026.

Savings accounts· 2 Credit cards· 2 Home loans· 29 Term deposits· 14 Personal loans· 2

Pillars: 5 of 8; No superannuation, share trading, crypto exchange
Products tracked: 49; 2 savings accounts · 2 credit cards · 29 home loans
Highest placed: #13; 6 Month Term Deposit · of 547 6-month deposits
Last change: 25 Aug 2026; 4 changes on record

What changed

4 changes across 2 pillars since 23 Mar 2026

25 Aug 2026
Term deposits5 Month Term Deposit · 5-month 5.25 → 5.00
−0.25
2 June 2026
Savings accounts2 accounts up 0.15 to 0.2527 days after the RBA rise to 4.35%
- Savvy Saver Account 5.10 → 5.25
- Smart Saver Account 4.85 → 5.10
mixed
5 May 2026
Term deposits5 Month Term Deposit · 5-month 5.15 → 5.25
+0.10
2 Apr 2026
Savings accounts2 accounts up 0.25 to 0.3515 days after the RBA rise to 4.10%
- Savvy Saver Account 4.75 → 5.10
- Smart Saver Account 4.60 → 4.85
mixed

Savings accounts · 2

Total rate, conditions met · ranked among 94 accounts

Savvy Saver Account
$500 deposit a month · 5 card purchases
5.25%#17 of 94
Smart Saver Account
$100 deposit a month · no withdrawals · bonus up to $250k
5.10%#33 of 94

Full savings accounts record for P&N →

Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for P&N · Compare all savings accounts

Credit cards · 2

Ranked by bonus net of first-year fee · of 51 bonus cards

Full credit cards record for P&N →

Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report

Home loans · 29

Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate

Variable · 23

Basic Variable HL LVR <60
Variable · P&I · Owner-occupier · ≤60% LVR · redraw · no ongoing fee
6.16%#16 of 107
Basic Variable HL LVR >60-70
Variable · P&I · Owner-occupier · 60.01–70% LVR · redraw · no ongoing fee
6.20%#19 of 107
Offset Variable HL LVR<60
Variable · P&I · Owner-occupier · ≤60% LVR · offset account · redraw · no ongoing fee
6.20%#19 of 107
Basic Variable HL LVR >70-80
Variable · P&I · Owner-occupier · 70.01–80% LVR · redraw · no ongoing fee
6.22%#22 of 107
Offset Variable HL LVR>60-70
Variable · P&I · Owner-occupier · 60.01–70% LVR · offset account · redraw · no ongoing fee
6.22%#22 of 107

Show 18 more

Investor Basic (P&I) LVR <70
Variable · P&I · Investor · ≤70% LVR · redraw · no ongoing fee
6.32%#6 of 81
Investor Offset P&I LVR<70
Variable · P&I · Investor · ≤70% LVR · offset account · redraw · no ongoing fee
6.35%#11 of 81
Investor Basic P&I LVR>70-80
Variable · P&I · Investor · 70.01–80% LVR · redraw · no ongoing fee
6.37%#13 of 81
Offset Variable HL>70-80
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.38%#45 of 107
Investor Offset P&I LVR >70-80
Variable · P&I · Investor · 70.01–80% LVR · offset account · redraw · no ongoing fee
6.40%#14 of 81
Investor Basic (IO) LVR <70
Variable · Interest Only · Investor · ≤70% LVR · redraw · no ongoing fee
6.40%#5 of 80
Investor Offset IO LVR<70
Variable · Interest Only · Investor · ≤70% LVR · offset account · redraw · no ongoing fee
6.43%#8 of 80
Investor Basic IO LVR>70-80
Variable · Interest Only · Investor · 70.01–80% LVR · redraw · no ongoing fee
6.45%#11 of 80
Investor Offset IO LVR>70-80
Variable · Interest Only · Investor · 70.01–80% LVR · offset account · redraw · no ongoing fee
6.48%#12 of 80
Basic Variable HL LVR >80-90
Variable · P&I · Owner-occupier · 80.01–90% LVR · redraw · no ongoing fee
6.52%#60 of 107
Investor Basic P&I LVR>80-90
Variable · P&I · Investor · 80.01–90% LVR · redraw · no ongoing fee
6.62%#38 of 81
Investor Basic IO LVR>80-90
Variable · Interest Only · Investor · 80.01–90% LVR · redraw · no ongoing fee
6.63%#27 of 80
Offset Variable HL LVR>80-90
Variable · P&I · Owner-occupier · 80.01–90% LVR · offset account · redraw · no ongoing fee
6.70%#71 of 107
Investor Offset P&I LVR>80-90
Variable · P&I · Investor · 80.01–90% LVR · offset account · redraw · no ongoing fee
6.72%#44 of 81
Investor Offset IO LVR>80-90
Variable · Interest Only · Investor · 80.01–90% LVR · offset account · redraw · no ongoing fee
6.80%#36 of 80
Basic Variable HL LVR >90-95
Variable · P&I · Owner-occupier · 90.01–95% LVR · redraw · no ongoing fee
6.82%#81 of 107
Offset Variable HL LVR>90-95
Variable · P&I · Owner-occupier · 90.01–95% LVR · offset account · redraw · no ongoing fee
7.23%#92 of 107
Reverse Mortgage Home Loan
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
9.03%#53 of 68

Fixed · 6

Fixed Home Loan (IO) LVR >80
2yr Fixed · Interest Only · Owner-occupier · 80.01–95% LVR · no ongoing fee · 5 variants
6.33%#5 of 31
Fixed Home Loan (P&I) LVR >80
2yr Fixed · P&I · Owner-occupier · 80.01–95% LVR · no ongoing fee · 5 variants
6.33%#13 of 49
Fixed Home Loan Inv IO LVR<80
2yr Fixed · Interest Only · Investor · ≤80% LVR · no ongoing fee · 5 variants
6.50%#6 of 45
Fixed Home Loan Inv P&I LVR<80
2yr Fixed · P&I · Investor · ≤80% LVR · no ongoing fee · 5 variants
6.50%#7 of 45
Fixed Home Loan Inv IO LVR>80
2yr Fixed · Interest Only · Investor · 80.01–95% LVR · no ongoing fee · 5 variants
6.52%#8 of 45

Show 1 more

Fixed Home Loan Inv P&I LVR>80
2yr Fixed · P&I · Investor · 80.01–95% LVR · no ongoing fee · 5 variants
6.52%#12 of 45

Full home loans record for P&N →

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report