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P&N Bank Home Loan Rates

Active products
53
Lowest variable
6.13%
Lowest fixed
6.27%
Lowest comparison
6.17%
Last updated
28 July 2026

P&N Bank is one of the Australian home-loan lenders we track daily. We currently surface 53 active products from P&N Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest P&N Bank home loan rate?

The lowest P&N Bank variable home loan rate Ratesniffers tracks is 6.13% p.a., and the lowest fixed rate is 6.27% p.a. These figures come from the 49 P&N Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does P&N Bank offer?

Ratesniffers currently tracks 49 P&N Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

P&N Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.17% p.a.100%
Fixed 1-year Owner-occupier P&I6.27% p.a.6.31% p.a.100%
Fixed 2-year Owner-occupier P&I6.27% p.a.6.31% p.a.100%

49 P&N Bank home loan products

Negotiate P&N Bank rates with a broker

Advertised rates aren't always the rate P&N Bank actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is P&N Bank?

P&N Bank is Western Australia's largest locally owned and managed bank, customer-owned since its 1969 origins as the WA Police Union's credit union. Perth-based, it serves WA with a branch network and national digital banking.

As a mutual it has no external shareholders, and its home-loan pricing regularly undercuts the big four's WA offerings, with profits returned to members through rates and service.

Who suits a P&N Bank home loan?

P&N tends to suit West Australians who want a local, customer-owned alternative to the big four with real branches in Perth. Its sharpest products often sit high in our rankings, so check the live table above, and note membership is open beyond its police heritage.

Background facts checked 21 July 2026. Rates above refresh independently.

P&N Bank home loans: frequently asked questions

What is the lowest P&N Bank home loan rate?

P&N Bank's lowest variable home loan rate is currently 6.13% p.a., and its lowest fixed rate is 6.27% p.a., based on the 49 P&N Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate P&N Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does P&N Bank's home loan rate compare to the market?

P&N Bank's lowest variable home loan rate today is 6.13% p.a., which is 4 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking P&N Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where P&N Bank sits right now rather than a fixed snapshot.

How many home loan products does P&N Bank offer?

Ratesniffers currently tracks 53 P&N Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 49 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is P&N Bank competitive for refinancing?

It depends on your loan size and LVR. P&N Bank's lowest comparison rate is currently 6.17% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing P&N Bank against the sharpest available rate usually pays off.

How often are P&N Bank's home loan rates updated?

Ratesniffers refreshes P&N Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever P&N Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

P&N Bank rates by borrower and loan type

The same P&N Bank panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

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Mortgage guides and market context

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