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P&N Bank · Home loans
Offset Variable HL LVR>90-95
P&N Bank's Offset Variable HL LVR>90-95 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 13 October 2026, up from 7.20% to 7.45%.
Advertised rate
7.45%
headline tier
Comparison rate
7.48%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 7.20% and 7.45% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR 90 to 95% | 7.45% | 7.48% |
Rate moves, last 30 days
- 13 October 2026: Variable, Owner occupier, P&I, LVR 90 to 95% lifted 0.25pp, from 7.20% to 7.45%.
Published fees
| Fee | Amount |
|---|---|
| Statement Retrieval Feereplacement: Fee applies for statements over 12 months old. | $2.50 |
| Loan Establishment Feeupfront: No fee for the establishment of the 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 |
| Construction Progress Payment Feeupfront: Charged per drawdown payment that is made on your construction loan. | $50 |
| 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 |
| Withdrawal of Caveat Non Settlement Feewhen it happens: Without settlement, per document. | $55 |
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%Fixed Home Loan (IO) LVR <80 6.49%Fixed Home Loan (P&I) LVR <80 6.49%Investor Basic (P&I) LVR <70 6.54%Investor Offset P&I LVR<70 6.57%Fixed Home Loan (IO) LVR >80 6.59%Fixed Home Loan (P&I) LVR >80 6.59%Investor Basic P&I LVR>70-80 6.59%
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