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P&N Bank · Home loans
Fixed Home Loan (IO) LVR <80
P&N Bank's Fixed Home Loan (IO) LVR <80 is a home loan. The figures are the ones P&N Bank publishes under the Consumer Data Right today. The advertised rate last moved on 4 November 2026, up from 6.49% to 6.79%.
Advertised rate
6.79%
headline tier
Comparison rate
6.59%
as published
Last moved
+0.30pp
4 November 2026
Advertised rate, last 30 days. Between 6.49% and 6.79% over the last 30 days.
Every current rate (5)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80% | 6.79% | 6.59% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80% | 6.79% | 6.62% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80% | 6.94% | 6.68% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80% | 6.99% | 6.73% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80% | 7.04% | 6.79% |
Rate moves, last 30 days
- 4 November 2026: 3 tiers lifted 0.25pp; the lowest, Fixed 3 years, Owner occupier, Interest only, LVR up to 80%, from 6.69% to 6.94%.
- 4 November 2026: Fixed 1 year, Owner occupier, Interest only, LVR up to 80% lifted 0.30pp, from 6.49% to 6.79%.
- 4 November 2026: Fixed 2 years, Owner occupier, Interest only, LVR up to 80% lifted 0.30pp, from 6.49% to 6.79%.
Published fees
| Fee | Amount |
|---|---|
| Statement Retrieval Feereplacement: Fee applies for statements over 12 months old. | $2.50 |
| Fixed Home Loan Break Costson variation: May be payable if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. | see lender |
| Fixed Home Loan Adjustment Cost Feeon variation: May be payable if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. | see lender |
| Loan Establishment Feeupfront: No fee for establishment or top-up of the home loan. | $0 |
| Lenders Mortgage Insurance: LMI is insurance that protects the bank if the borrower/s are unable to make home loan repayments. | see lender |
| Valuation Feeupfront: First valuation is free. | $0 |
| Legal Fee: Payable at cost when legal advice or services are required over the life of the loan. | see lender |
| Third Party Document Production Fee: Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security. | see lender |
| Title Consent Feewhen it happens: Payable when we are requested to consent to a change relating to your title. | $150 |
| Loan Contract Variation Feeon variation: Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to th | $250 |
| Discharge of Mortgage Non-Settlement Feeon exit: Charged for the preparation of documents for the discharge of mortgage where no settlement is required. | $350 |
| Discharge of Mortgage Settlement Feeon exit: Charged for the preparation of documents for the discharge of mortgage in relation to a settlement. | $395 |
Other P&N Bank home loans
Basic Variable HL LVR <60 6.38%Basic Variable HL LVR >60-70 6.42%Offset Variable HL LVR<60 6.42%Basic Variable HL LVR >70-80 6.44%Offset Variable HL LVR>60-70 6.44%Investor Basic (P&I) LVR <70 6.54%Investor Offset P&I LVR<70 6.57%Investor Basic P&I LVR>70-80 6.59%Offset Variable HL>70-80 6.60%Investor Offset P&I LVR >70-80 6.62%Basic Variable HL LVR >80-90 6.74%Fixed Home Loan (P&I) LVR <80 6.79%
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