P&N Bank · Interest only · Updated September 2026

P&N Bank Interest only Home Loans, September 2026

P&N Bank lists 24 interest-only 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 interest-only home loan rates, September 2026

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 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 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 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) Investment IO

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 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 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 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 BankInvestor Basic Home Loan <70% LVR IO

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤70%

Enquire

P&N BankInvestor Offset Home Loan <70% LVR IO

VariableOffsetRedraw

Interest

6.60%p.a.

Comparison*

Not available

Est. repayment

$3,193

LVR ≤70%

Enquire

P&N BankInvestor Basic (IO) LVR <70

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR not stated

Enquire

P&N BankInvestor Basic IO LVR>70-80

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR not stated

Enquire

P&N BankInvestor Basic IO LVR>80-90

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR not stated

Enquire

P&N BankInvestor Offset IO LVR<70

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR not stated

Enquire

P&N BankInvestor Offset IO LVR>70-80

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR not stated

Enquire

P&N BankInvestor Basic Home Loan 70% - 80% LVR IO

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR 70 to 80%

Enquire

P&N BankInvestor Basic Home Loan 80% - 90% LVR IO

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR 80 to 90%

Enquire

P&N BankInvestor Offset Home Loan 70% - 80% LVR IO

VariableOffsetRedraw

Interest

6.67%p.a.

Comparison*

Not available

Est. repayment

$3,216

LVR 70 to 80%

Enquire

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

3y Fixed

Interest

6.69%p.a.

Comparison*

6.46%p.a.

Est. repayment

$3,223

LVR not stated

Enquire

P&N Bank3 Year Fixed Home Loan (<80% LVR) Owner Occupied IO

3y Fixed

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤80%

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 · Interest only

P&N Bank interest only home loans, what to weigh

Interest-only loans don't amortise during the IO term, they only stack up when capital growth is doing the heavy lifting. Owner-occupier IO is APRA-restricted; most IO products on the panel are investor. 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 interest only option has the same price.