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P&N Bank rates

The lowest standard home-loan rate RateSonar recorded for P&N Bank is 6.38% (Basic Variable HL LVR <60), recorded on 2026-10-15. Connect an assistant at https://api.ratesonar.com. No sign-up and no key. Anonymous series calls return the last 31 days. Every product recorded for this lender is below, as cards or as a table. Pick a product type to narrow it.

Lowest home loan
6.38%
Highest deposit
5.30%
Products
67
Recorded on
2026-10-15
Facts
LenderP&N Bank
Products on this page67
Latest record date2026-10-15
Lowest standard home loan6.38% · Basic Variable HL LVR <60 · 2026-10-15
Highest deposit5.30% · 12 Month Term Deposit · 2026-10-15
Assistant accessConnect an assistant at https://api.ratesonar.com. No sign-up and no key. Anonymous series calls return the last 31 days.

Common questions

What is the latest standard home-loan rate RateSonar recorded for P&N Bank?
6.38% for Basic Variable HL LVR <60, recorded on 2026-10-15. That is the lowest standard home loan on this page, not every product the lender sells.
Where do these P&N Bank rates come from?
Bank websites and public Consumer Data Right product feeds. Each row has the day RateSonar recorded it.
Can I read this in an assistant without an account?
Connect an assistant at https://api.ratesonar.com. No sign-up and no key. Anonymous series calls return the last 31 days.
67 rowsSort or filter any column. Drag an edge to resize.

Estimate: the advertised rate held for the whole term, paid monthly, before fees. A fixed rate changes after its fixed period. Interest-only loans show the interest only. Not a quote.

67 products, by product type, best rate first.

Basic Variable HL LVR <60Home loans · Variable · Owner-occupier · P&I
6.38% p.a.comparison 6.41%≈ $3,745/morecorded
recorded ≈ $3,745/moHistoryView at lender
Basic Variable HL LVR >60-70Home loans · Variable · Owner-occupier · P&I
6.42% p.a.comparison 6.45%≈ $3,761/morecorded
recorded ≈ $3,761/moHistoryView at lender
Offset Variable HL LVR<60Home loans · Variable · Owner-occupier · P&I
6.42% p.a.comparison 6.45%≈ $3,761/morecorded
recorded ≈ $3,761/moHistoryView at lender
Basic Variable HL LVR >70-80Home loans · Variable · Owner-occupier · P&I
6.44% p.a.comparison 6.47%≈ $3,769/morecorded
recorded ≈ $3,769/moHistoryView at lender
Offset Variable HL LVR>60-70Home loans · Variable · Owner-occupier · P&I
6.44% p.a.comparison 6.47%≈ $3,769/morecorded
recorded ≈ $3,769/moHistoryView at lender
Fixed Home Loan (IO) LVR <80Home loans · Fixed 1y · Owner-occupier · Interest only
6.49% p.a.comparison 6.56%≈ $3,245/mo IOrecorded
recorded ≈ $3,245/mo IOHistoryView at lender
Fixed Home Loan (P&I) LVR <80Home loans · Fixed 1y · Owner-occupier · P&I
6.49% p.a.comparison 6.56%≈ $3,788/morecorded
recorded ≈ $3,788/moHistoryView at lender
Investor Basic (P&I) LVR <70Home loans · Variable · Investor · P&I
6.54% p.a.comparison 6.57%≈ $3,808/morecorded
recorded ≈ $3,808/moHistoryView at lender
Investor Offset P&I LVR<70Home loans · Variable · Investor · P&I
6.57% p.a.comparison 6.60%≈ $3,820/morecorded
recorded ≈ $3,820/moHistoryView at lender
Fixed Home Loan (P&I) LVR >80Home loans · Fixed 1y · Owner-occupier · P&I
6.59% p.a.comparison 6.57%≈ $3,828/morecorded
recorded ≈ $3,828/moHistoryView at lender
Fixed Home Loan (IO) LVR >80Home loans · Fixed 1y · Owner-occupier · Interest only
6.59% p.a.comparison 6.57%≈ $3,295/mo IOrecorded
recorded ≈ $3,295/mo IOHistoryView at lender
Investor Basic P&I LVR>70-80Home loans · Variable · Investor · P&I
6.59% p.a.comparison 6.62%≈ $3,828/morecorded
recorded ≈ $3,828/moHistoryView at lender
Offset Variable HL>70-80Home loans · Variable · Owner-occupier · P&I
6.60% p.a.comparison 6.63%≈ $3,832/morecorded
recorded ≈ $3,832/moHistoryView at lender
Investor Offset P&I LVR >70-80Home loans · Variable · Investor · P&I
6.62% p.a.comparison 6.65%≈ $3,840/morecorded
recorded ≈ $3,840/moHistoryView at lender
Fixed Home Loan Inv P&I LVR<80Home loans · Fixed 1y · Investor · P&I
6.64% p.a.comparison 6.76%≈ $3,848/morecorded
recorded ≈ $3,848/moHistoryView at lender
Fixed Home Loan Inv IO LVR<80Home loans · Fixed 1y · Investor · Interest only
6.64% p.a.comparison 6.76%≈ $3,320/mo IOrecorded
recorded ≈ $3,320/mo IOHistoryView at lender
Fixed Home Loan Inv P&I LVR>80Home loans · Fixed 1y · Investor · P&I
6.74% p.a.comparison 6.77%≈ $3,888/morecorded
recorded ≈ $3,888/moHistoryView at lender
Fixed Home Loan Inv IO LVR>80Home loans · Fixed 1y · Investor · Interest only
6.74% p.a.comparison 6.77%≈ $3,370/mo IOrecorded
recorded ≈ $3,370/mo IOHistoryView at lender
Basic Variable HL LVR >80-90Home loans · Variable · Owner-occupier · P&I
6.74% p.a.comparison 6.77%≈ $3,888/morecorded
recorded ≈ $3,888/moHistoryView at lender
Investor Basic (IO) LVR <70Home loans · Variable · Investor · Interest only
6.84% p.a.comparison 6.65%≈ $3,420/mo IOrecorded
recorded ≈ $3,420/mo IOHistoryView at lender
Investor Basic P&I LVR>80-90Home loans · Variable · Investor · P&I
6.84% p.a.comparison 6.87%≈ $3,928/morecorded
recorded ≈ $3,928/moHistoryView at lender
Investor Offset IO LVR<70Home loans · Variable · Investor · Interest only
6.85% p.a.comparison 6.68%≈ $3,425/mo IOrecorded
recorded ≈ $3,425/mo IOHistoryView at lender
Investor Basic IO LVR>70-80Home loans · Variable · Investor · Interest only
6.89% p.a.comparison 6.70%≈ $3,445/mo IOrecorded
recorded ≈ $3,445/mo IOHistoryView at lender
Investor Basic IO LVR>80-90Home loans · Variable · Investor · Interest only
6.89% p.a.comparison 6.88%≈ $3,445/mo IOrecorded
recorded ≈ $3,445/mo IOHistoryView at lender
Offset Variable HL LVR>80-90Home loans · Variable · Owner-occupier · P&I
6.92% p.a.comparison 6.95%≈ $3,960/morecorded
recorded ≈ $3,960/moHistoryView at lender
Investor Offset IO LVR>70-80Home loans · Variable · Investor · Interest only
6.92% p.a.comparison 6.73%≈ $3,460/mo IOrecorded
recorded ≈ $3,460/mo IOHistoryView at lender
Investor Offset P&I LVR>80-90Home loans · Variable · Investor · P&I
6.94% p.a.comparison 6.97%≈ $3,968/morecorded
recorded ≈ $3,968/moHistoryView at lender
Basic Variable HL LVR >90-95Home loans · Variable · Owner-occupier · P&I
7.04% p.a.comparison 7.07%≈ $4,008/morecorded
recorded ≈ $4,008/moHistoryView at lender
Investor Offset IO LVR>80-90Home loans · Variable · Investor · Interest only
7.24% p.a.comparison 7.06%≈ $3,620/mo IOrecorded
recorded ≈ $3,620/mo IOHistoryView at lender
Offset Variable HL LVR>90-95Home loans · Variable · Owner-occupier · P&I
7.45% p.a.comparison 7.48%≈ $4,175/morecorded
recorded ≈ $4,175/moHistoryView at lender
1Basic Variable HL LVR <60Home loans6.38%6.41%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
2Basic Variable HL LVR >60-70Home loans6.42%6.45%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
3Offset Variable HL LVR<60Home loans6.42%6.45%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
4Basic Variable HL LVR >70-80Home loans6.44%6.47%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
5Offset Variable HL LVR>60-70Home loans6.44%6.47%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
6Fixed Home Loan (IO) LVR <80Home loans6.49%6.56%Owner-occupierInterest onlyFixed 1y—Standard2026-10-15View at P&N Bank History
7Fixed Home Loan (P&I) LVR <80Home loans6.49%6.56%Owner-occupierP&IFixed 1y—Standard2026-10-15View at P&N Bank History
8Investor Basic (P&I) LVR <70Home loans6.54%6.57%InvestorP&IVariable—Standard2026-10-15View at P&N Bank History
9Investor Offset P&I LVR<70Home loans6.57%6.60%InvestorP&IVariable—Standard2026-10-15View at P&N Bank History
10Fixed Home Loan (P&I) LVR >80Home loans6.59%6.57%Owner-occupierP&IFixed 1y—Standard2026-10-15View at P&N Bank History
11Fixed Home Loan (IO) LVR >80Home loans6.59%6.57%Owner-occupierInterest onlyFixed 1y—Standard2026-10-15View at P&N Bank History
12Investor Basic P&I LVR>70-80Home loans6.59%6.62%InvestorP&IVariable—Standard2026-10-15View at P&N Bank History
13Offset Variable HL>70-80Home loans6.60%6.63%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
14Investor Offset P&I LVR >70-80Home loans6.62%6.65%InvestorP&IVariable—Standard2026-10-15View at P&N Bank History
15Fixed Home Loan Inv P&I LVR<80Home loans6.64%6.76%InvestorP&IFixed 1y—Standard2026-10-15View at P&N Bank History
16Fixed Home Loan Inv IO LVR<80Home loans6.64%6.76%InvestorInterest onlyFixed 1y—Standard2026-10-15View at P&N Bank History
17Fixed Home Loan Inv P&I LVR>80Home loans6.74%6.77%InvestorP&IFixed 1y—Standard2026-10-15View at P&N Bank History
18Fixed Home Loan Inv IO LVR>80Home loans6.74%6.77%InvestorInterest onlyFixed 1y—Standard2026-10-15View at P&N Bank History
19Basic Variable HL LVR >80-90Home loans6.74%6.77%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
20Investor Basic (IO) LVR <70Home loans6.84%6.65%InvestorInterest onlyVariable—Standard2026-10-15View at P&N Bank History
21Investor Basic P&I LVR>80-90Home loans6.84%6.87%InvestorP&IVariable—Standard2026-10-15View at P&N Bank History
22Investor Offset IO LVR<70Home loans6.85%6.68%InvestorInterest onlyVariable—Standard2026-10-15View at P&N Bank History
23Investor Basic IO LVR>70-80Home loans6.89%6.70%InvestorInterest onlyVariable—Standard2026-10-15View at P&N Bank History
24Investor Basic IO LVR>80-90Home loans6.89%6.88%InvestorInterest onlyVariable—Standard2026-10-15View at P&N Bank History
25Offset Variable HL LVR>80-90Home loans6.92%6.95%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
26Investor Offset IO LVR>70-80Home loans6.92%6.73%InvestorInterest onlyVariable—Standard2026-10-15View at P&N Bank History
27Investor Offset P&I LVR>80-90Home loans6.94%6.97%InvestorP&IVariable—Standard2026-10-15View at P&N Bank History
28Basic Variable HL LVR >90-95Home loans7.04%7.07%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
29Investor Offset IO LVR>80-90Home loans7.24%7.06%InvestorInterest onlyVariable—Standard2026-10-15View at P&N Bank History
30Offset Variable HL LVR>90-95Home loans7.45%7.48%Owner-occupierP&IVariable—Standard2026-10-15View at P&N Bank History
31Reverse Mortgage Home LoanHome loans9.25%9.28%Owner-occupierInterest onlyVariable—Reverse mortgage2026-10-15View at P&N Bank History
32Bridging Loan L61Home loans9.77%9.80%Owner-occupierInterest onlyVariable—Bridging2026-10-15View at P&N Bank History
33Fixed Secured Personal LoanPersonal loans7.99%8.65%—P&IFixed 1y—Standard2026-10-15View at P&N Bank 
34Fixed Unsecured Personal LoanPersonal loans9.74%10.37%—P&IFixed 1y—Standard2026-10-15View at P&N Bank 
35Smart Saver AccountSavings accounts4.60%————ConsumerStandard2026-10-15View at P&N Bank 
36Way Cool SaverSavings accounts3.55%————ConsumerStandard2026-10-15View at P&N Bank 
37Momentum AccountSavings accounts2.45%————ConsumerStandard2026-10-15View at P&N Bank 
38Business SaverSavings accounts1.60%————BusinessStandard2026-10-15View at P&N Bank 
39Savvy Saver AccountSavings accounts0.20%————ConsumerStandard2026-10-15View at P&N Bank 
40Hi Saver AccountSavings accounts0.05%————ConsumerStandard2026-10-15View at P&N Bank 
41Business AccountSavings accounts—————BusinessStandard2026-10-15View at P&N Bank 
42Concession AccountSavings accounts—————ConsumerStandard2026-10-15View at P&N Bank 
43Community AccountSavings accounts—————ConsumerStandard2026-10-15View at P&N Bank 
44Easypay Access AccountSavings accounts—————ConsumerStandard2026-10-15View at P&N Bank 
45& Transaction AccountSavings accounts—————ConsumerStandard2026-10-15View at P&N Bank 
46Budgeting AccountSavings accounts—————ConsumerStandard2026-10-15View at P&N Bank 
47& Access AccountSavings accounts—————ConsumerStandard2026-10-15View at P&N Bank 
4812 Month Term DepositTerm deposits5.30%————ConsumerStandard2026-10-15View at P&N Bank History
496 Month Term DepositTerm deposits5.20%————ConsumerStandard2026-10-15View at P&N Bank History
505 Month Term DepositTerm deposits4.80%————ConsumerStandard2026-10-15View at P&N Bank History
517 Month Term DepositTerm deposits4.40%————ConsumerStandard2026-10-15View at P&N Bank History
524 Month Term DepositTerm deposits4.30%————ConsumerStandard2026-10-15View at P&N Bank 
53TD 12-35 Mth (Yr Int)Term deposits4.20%————ConsumerStandard2026-10-15View at P&N Bank 
54TD 12-35 Mth (Qrt Int)Term deposits4.20%————ConsumerStandard2026-10-15View at P&N Bank 
55TD 12-35 Mth (Mth Int)Term deposits4.20%————ConsumerStandard2026-10-15View at P&N Bank 
56& Retirement Term DepositTerm deposits3.85%————ConsumerStandard2026-10-15View at P&N Bank 
579 Month Term DepositTerm deposits3.80%————ConsumerStandard2026-10-15View at P&N Bank 
583 Month Term DepositTerm deposits3.75%————ConsumerStandard2026-10-15View at P&N Bank 
5911 Month Term DepositTerm deposits3.70%————ConsumerStandard2026-10-15View at P&N Bank 
608 Month Term DepositTerm deposits3.70%————ConsumerStandard2026-10-15View at P&N Bank 
6110 Month Term DepositTerm deposits3.60%————ConsumerStandard2026-10-15View at P&N Bank 
62TD 36-60 Mth (Mth Int)Term deposits3.35%————ConsumerStandard2026-10-15View at P&N Bank 
63TD 36-60 Mth (Qrt Int)Term deposits3.35%————ConsumerStandard2026-10-15View at P&N Bank 
64TD 36-60 Mth (Yr Int)Term deposits3.35%————ConsumerStandard2026-10-15View at P&N Bank 
652 Month Term DepositTerm deposits1.60%————ConsumerStandard2026-10-15View at P&N Bank 
66P&N Bank Visa PlatinumCredit cards11.99%—————Standard2026-10-15View at P&N Bank 
67P&N Bank Visa ClassicCredit cards11.99%—————Standard2026-10-15View at P&N Bank 

Every lender rate is the advertised value RateSonar recorded on the date shown, from public CDR banking data. Compare across lenders: home loans · savings.