P&N Bank · Offset · Updated September 2026

P&N Bank Offset Account Home Loans, September 2026

P&N Bank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.17% 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, September 2026

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

VariableOffsetRedraw

Interest

6.17%p.a.

Comparison*

Not available

Est. repayment

$3,053

LVR ≤60%

Enquire

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

VariableOffsetRedraw

Interest

6.17%p.a.

Comparison*

Not available

Est. repayment

$3,053

LVR ≤60%

Enquire

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

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

Not available

Est. repayment

$3,059

LVR 60 to 70%

Enquire

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

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

Not available

Est. repayment

$3,059

LVR 60 to 70%

Enquire

P&N BankOffset Variable HL LVR<60

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.20%p.a.

Est. repayment

$3,059

LVR not stated

Enquire

P&N BankOffset Variable HL LVR>60-70

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.22%p.a.

Est. repayment

$3,059

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.32%p.a.

Comparison*

Not available

Est. repayment

$3,101

LVR ≤70%

Enquire

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

VariableOffsetRedraw

Interest

6.35%p.a.

Comparison*

Not available

Est. repayment

$3,111

LVR 70 to 80%

Enquire

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

VariableOffsetRedraw

Interest

6.35%p.a.

Comparison*

Not available

Est. repayment

$3,111

LVR 70 to 80%

Enquire

P&N BankInvestor Offset P&I LVR<70

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,108

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,108

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,108

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.37%p.a.

Comparison*

Not available

Est. repayment

$3,118

LVR 70 to 80%

Enquire

P&N BankOffset Variable HL>70-80

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,059

LVR not stated

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

VariableOffsetRedraw

Interest

6.67%p.a.

Comparison*

Not available

Est. repayment

$3,216

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

VariableOffsetRedraw

Interest

6.67%p.a.

Comparison*

Not available

Est. repayment

$3,216

LVR 80 to 90%

Enquire

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

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 80 to 90%

Enquire

P&N BankOffset Variable HL LVR>80-90

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,059

LVR not stated

Enquire

P&N BankInvestor Offset IO LVR>80-90

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.80%p.a.

Est. repayment

$3,207

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

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 · 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.