P&N Bank · Refinance · Updated November 2026

P&N Bank Refinance Home Loans, November 2026

P&N Bank lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.27% p.a. (comparison rate 6.31% p.a.), on Fixed Home Loan (P&I) LVR <80. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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P&N Bank refinance home loan rates, November 2026

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

Intro

Interest

6.27%p.a.

Comparison*

6.31%p.a.

Est. repayment

$3,085

LVR not stated

Enquire

P&N BankBasic Variable Home Loan <60% LVR

VariableRedraw

Interest

6.38%p.a.

Comparison*

Not available

Est. repayment

$3,121

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 BankBasic Variable Home Loan 60% - 70% LVR

VariableRedraw

Interest

6.42%p.a.

Comparison*

Not available

Est. repayment

$3,134

LVR 60 to 70%

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 BankBasic Variable HL LVR <60

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR not stated

Enquire

P&N BankBasic Variable HL LVR >60-70

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR not stated

Enquire

P&N BankBasic Variable HL LVR >70-80

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR not stated

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 BankBasic Variable Home Loan 70% - 80% LVR

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 70 to 80%

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 BankFixed Home Loan (P&I) LVR <80

1y Fixed

Interest

6.49%p.a.

Comparison*

6.32%p.a.

Est. repayment

$3,157

LVR not stated

Enquire

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

2y Fixed

Interest

6.49%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,157

LVR not stated

Enquire

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

1y Fixed

Interest

6.49%p.a.

Comparison*

6.33%p.a.

Est. interest only / month

$2,704

LVR not stated

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 BankFixed Home Loan (IO) LVR >80

2y Fixed

Interest

6.49%p.a.

Comparison*

6.33%p.a.

Est. interest only / month

$2,704

LVR not stated

Based on a $500,000 balance

Enquire

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

1y Fixed

Interest

6.49%p.a.

Comparison*

Not available

Est. interest only / month

$2,704

LVR ≤80%

Based on a $500,000 balance

Enquire

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

1y Fixed

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR ≤80%

Enquire

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

2y Fixed

Interest

6.49%p.a.

Comparison*

Not available

Est. interest only / month

$2,704

LVR ≤80%

Based on a $500,000 balance

Enquire

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

2y Fixed

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR ≤80%

Enquire

P&N BankBasic Variable HL LVR >80-90

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.52%p.a.

Est. repayment

$3,141

LVR not stated

Enquire

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

1y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR 80 to 90%

Based on a $500,000 balance

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 · Refinance

P&N Bank refinance home loans, what to weigh

P&N Bank's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.