P&N Bank · Fixed · Updated September 2026

P&N Bank Fixed Home Loan Rates, September 2026

P&N Bank lists 24 fixed home loans in the Ratesniffers index today. The lowest is 6.27% p.a. on a 1-year fixed term, on 1 Year Fixed Home Loan (<80% LVR) Owner Occupied IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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P&N Bank fixed home loan rates, September 2026

Lowest P&N Bank fixed rate by term: 1-year 6.27% p.a., 2-year 6.27% p.a..

P&N Bank1 Year Fixed Home Loan (<80% LVR) Owner Occupied IO

1y Fixed

Interest

6.27%p.a.

Comparison*

Not available

Est. repayment

$3,085

LVR ≤80%

Enquire

P&N Bank1 Year Fixed Home Loan (<80% LVR) Owner Occupied P&I

1y Fixed

Interest

6.27%p.a.

Comparison*

Not available

Est. repayment

$3,085

LVR ≤80%

Enquire

P&N Bank2 Year Fixed Home Loan (<80% LVR) Owner Occupied IO

2y Fixed

Interest

6.27%p.a.

Comparison*

Not available

Est. repayment

$3,085

LVR ≤80%

Enquire

P&N Bank2 Year Fixed Home Loan (<80% LVR) Owner Occupied P&I

2y Fixed

Interest

6.27%p.a.

Comparison*

Not available

Est. repayment

$3,085

LVR ≤80%

Enquire

P&N BankFixed Home Loan (P&I) LVR <80

1y Fixed

Interest

6.27%p.a.

Comparison*

6.32%p.a.

Est. repayment

$3,085

LVR not stated

Enquire

P&N BankFixed Home Loan (P&I) LVR >80

2y Fixed

Interest

6.27%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,085

LVR not stated

Enquire

P&N BankFixed Home Loan (IO) LVR >80

1y Fixed

Interest

6.27%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,085

LVR not stated

Enquire

P&N BankFixed Home Loan (IO) LVR >80

2y Fixed

Interest

6.27%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,085

LVR not stated

Enquire

P&N Bank1 Year Fixed Home Loan (>80% LVR) Owner Occupied IO

1y Fixed

Interest

6.37%p.a.

Comparison*

Not available

Est. repayment

$3,118

LVR 80 to 90%

Enquire

P&N Bank1 Year Fixed Home Loan (>80% LVR) Owner Occupied P&I

1y Fixed

Interest

6.37%p.a.

Comparison*

Not available

Est. repayment

$3,118

LVR 80 to 95%

Enquire

P&N Bank2 Year Fixed Home Loan (>80% LVR) Owner Occupied IO

2y Fixed

Interest

6.37%p.a.

Comparison*

Not available

Est. repayment

$3,118

LVR 80 to 90%

Enquire

P&N Bank2 Year Fixed Home Loan (>80% LVR) Owner Occupied P&I

2y Fixed

Interest

6.37%p.a.

Comparison*

Not available

Est. repayment

$3,118

LVR 80 to 95%

Enquire

P&N Bank2 Year Fixed Home Loan (<80% LVR) Investment IO

2y Fixed

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR ≤80%

Enquire

P&N Bank2 Year Fixed Home Loan (<80% LVR) Investment P&I

2y Fixed

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR ≤80%

Enquire

P&N Bank1 Year Fixed Home Loan (<80% LVR) Investment IO

1y Fixed

Interest

6.42%p.a.

Comparison*

Not available

Est. repayment

$3,134

LVR ≤80%

Enquire

P&N Bank1 Year Fixed Home Loan (<80% LVR) Investment P&I

1y Fixed

Interest

6.42%p.a.

Comparison*

Not available

Est. repayment

$3,134

LVR ≤80%

Enquire

P&N Bank2 Year Fixed Home Loan (>80% LVR) Investment IO

2y Fixed

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 80 to 90%

Enquire

P&N Bank2 Year Fixed Home Loan (>80% LVR) Investment P&I

2y Fixed

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 80 to 90%

Enquire

P&N BankFixed Home Loan Inv P&I LVR>80

2y Fixed

Interest

6.39%p.a.

Comparison*

6.52%p.a.

Est. repayment

$3,124

LVR not stated

Enquire

P&N BankFixed Home Loan Inv IO LVR>80

2y Fixed

Interest

6.39%p.a.

Comparison*

6.52%p.a.

Est. repayment

$3,124

LVR not stated

Enquire

P&N BankFixed Home Loan Inv P&I LVR>80

1y Fixed

Interest

6.42%p.a.

Comparison*

6.52%p.a.

Est. repayment

$3,134

LVR not stated

Enquire

P&N BankFixed Home Loan Inv IO LVR>80

1y Fixed

Interest

6.42%p.a.

Comparison*

6.52%p.a.

Est. repayment

$3,134

LVR not stated

Enquire

P&N Bank1 Year Fixed Home Loan (>80% LVR) Investment IO

1y Fixed

Interest

6.52%p.a.

Comparison*

Not available

Est. repayment

$3,167

LVR 80 to 90%

Enquire

P&N Bank1 Year Fixed Home Loan (>80% LVR) Investment P&I

1y Fixed

Interest

6.52%p.a.

Comparison*

Not available

Est. repayment

$3,167

LVR 80 to 90%

Enquire

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

P&N Bank · Fixed

P&N Bank fixed home loans, what to weigh

Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.