P&N Bank · Offset · Updated November 2026

P&N Bank Offset Account Home Loans, November 2026

P&N Bank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.42% p.a., on Offset Variable Home Loan <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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P&N Bank offset home loan rates, November 2026

P&N BankOffset Variable Home Loan <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.42%p.a.

Comparison*

Not available

Est. repayment

$3,134

LVR ≤60%

Enquire

P&N BankOffset Variable Home Loan <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.42%p.a.

Comparison*

Not available

Est. repayment

$3,134

LVR ≤60%

Enquire

P&N BankOffset Variable HL>70-80

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR not stated

Enquire

P&N BankOffset Variable HL LVR>60-70

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR not stated

Enquire

P&N BankOffset Variable HL LVR<60

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR not stated

Enquire

P&N BankOffset Variable Home Loan 60% - 70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 60 to 70%

Enquire

P&N BankOffset Variable Home Loan 60% - 70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 60 to 70%

Enquire

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

VariableOffsetRedraw

Interest

6.57%p.a.

Comparison*

Not available

Est. repayment

$3,183

LVR ≤70%

Enquire

P&N BankOffset Variable Home Loan 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.60%p.a.

Comparison*

Not available

Est. repayment

$3,193

LVR 70 to 80%

Enquire

P&N BankOffset Variable Home Loan 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.60%p.a.

Comparison*

Not available

Est. repayment

$3,193

LVR 70 to 80%

Enquire

P&N BankInvestor Offset P&I LVR<70

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,190

LVR not stated

Enquire

P&N BankInvestor Offset P&I LVR >70-80

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,190

LVR not stated

Enquire

P&N BankInvestor Offset P&I LVR>80-90

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,190

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.62%p.a.

Comparison*

Not available

Est. repayment

$3,200

LVR 70 to 80%

Enquire

P&N BankOffset Variable HL LVR>80-90

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,141

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.85%p.a.

Comparison*

Not available

Est. interest only / month

$2,854

LVR ≤70%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

P&N BankInvestor Offset IO LVR<70

VariableOffsetRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. interest only / month

$2,871

LVR not stated

Based on a $500,000 balance

Enquire

P&N BankInvestor Offset IO LVR>70-80

VariableOffsetRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. interest only / month

$2,871

LVR not stated

Based on a $500,000 balance

Enquire

P&N BankInvestor Offset IO LVR>80-90

VariableOffsetRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. interest only / month

$2,871

LVR not stated

Based on a $500,000 balance

Enquire

P&N BankOffset Variable Home Loan 80% - 90% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.92%p.a.

Comparison*

Not available

Est. repayment

$3,300

LVR 80 to 90%

Enquire

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

VariableOffsetRedraw

Interest

6.92%p.a.

Comparison*

Not available

Est. interest only / month

$2,883

LVR 70 to 80%

Based on a $500,000 balance

Enquire

P&N BankOffset Variable Home Loan 80% - 90% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.92%p.a.

Comparison*

Not available

Est. repayment

$3,300

LVR 80 to 90%

Enquire

P&N BankInvestor Offset Home Loan 80% - 90% LVR P&I

VariableOffsetRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. repayment

$3,306

LVR 80 to 90%

Enquire

P&N BankOffset Variable HL LVR>90-95

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

7.23%p.a.

Est. repayment

$3,141

LVR not stated

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 · Offset

P&N Bank offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. 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 offset option has the same price.