P&N Bank is one of the Australian home-loan lenders we track daily. We currently surface 122 active products from P&N Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are P&N Bank home loan rates?
P&N Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.13% p.a. and the lowest fixed rate currently 6.27% p.a., checked daily (last verified 11 Sept 2026). Compare P&N Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest P&N Bank home loan rate?
The lowest P&N Bank variable home loan rate Ratesniffers tracks is 6.13% p.a., and the lowest fixed rate is 6.27% p.a. These figures come from the 49 P&N Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does P&N Bank offer?
Ratesniffers currently tracks 122 P&N Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 49 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
*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.
Who is P&N Bank?
P&N Bank is Western Australia's largest locally owned and managed bank, customer-owned since its 1969 origins as the WA Police Union's credit union. Perth-based, it serves WA with a branch network and national digital banking.
As a mutual it has no external shareholders, and its home-loan pricing regularly undercuts the big four's WA offerings, with profits returned to members through rates and service.
Who suits a P&N Bank home loan?
P&N tends to suit West Australians who want a local, customer-owned alternative to the big four with real branches in Perth. Its sharpest products often sit high in our rankings, so check the live table above, and note membership is open beyond its police heritage.
P&N Bank is part of the P&N Group alongside its sister brand bcu, which serves northern New South Wales and south-east Queensland on the same customer-owned licence, so compare both since each brand still prices separately.
Background facts checked 21 July 2026. Rates above refresh independently.
P&N Bank fees, offset and limits at a glance
Application or establishment fee
No establishment fee on home loans except Bridging Loan
Discharge fee
$395
Settlement fee
$0
Additional valuation fee
$241.30
Rate lock fee
$650 per fixed loan split
Loan portability
$105
Offset account
100%
Lenders mortgage insurer
QBE
Capitalising LMI
Max LVR is INCLUSIVE of LMI and fees.
Extra repayments on fixed
Up to $25,000 in extra repayments during the fixed term with no fees or penalties
When the fixed rate is locked
Fixed rate is secured on the day the loan is funded (settlement)
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
P&N Bank home loans: frequently asked questions
What are P&N Bank home loan rates?
P&N Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.13% p.a., and the lowest fixed rate is 6.27% p.a., checked daily (last verified 11 Sept 2026). Compare P&N Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a P&N Bank balance, use /calculators/extra-repayment.
What is the lowest P&N Bank home loan rate?
P&N Bank's lowest variable home loan rate is currently 6.13% p.a., and its lowest fixed rate is 6.27% p.a., based on the 49 P&N Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate P&N Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 P&N Bank home loan?
At P&N Bank's lowest variable rate of 6.13% p.a., a $600,000 principal and interest loan over 30 years repays about $3,648 a month, and $500,000 about $3,040. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 P&N Bank home loan?
There is no single salary. Like every Australian lender, P&N Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.13% p.a. is assessed at about 9.13% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does P&N Bank's home loan rate compare to the market?
P&N Bank's lowest variable home loan rate today is 6.13% p.a., which is 11 basis points below the market median of 6.24% p.a., which puts P&N Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where P&N Bank sits right now rather than a fixed snapshot.
How many home loan products does P&N Bank offer?
Ratesniffers currently tracks 122 P&N Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 49 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is P&N Bank competitive for refinancing?
It depends on your loan size and LVR. P&N Bank's lowest comparison rate is currently 6.20% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing P&N Bank against the sharpest available rate usually pays off.
How often are P&N Bank's home loan rates updated?
Ratesniffers refreshes P&N Bank's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever P&N Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
