P&N Bank Home Loan Rates
P&N Bank lifted its variable home-loan rates by 0.25 percentage points from 13 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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?
Ratesniffers compares P&N Bank home loan products by comparison rate. Compare P&N Bank's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.
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 48 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.
Buying an investment property in Western Australia? See the WA investor home loan rates hub for the wider panel before comparing P&N Bank's Perth-based pricing above.
P&N Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 4-year Owner-occupier P&I | 6.74% p.a. | n/a | 80% |
| Fixed 5-year Owner-occupier P&I | 6.79% p.a. | 6.54% p.a. | n/a |
| Fixed 5-year Owner-occupier interest-only | 6.79% p.a. | 6.58% p.a. | n/a |
| Fixed 3-year Investor P&I | 6.79% p.a. | 6.63% p.a. | n/a |
| Fixed 3-year Investor interest-only | 6.79% p.a. | 6.63% p.a. | n/a |
| Fixed 3-year Investor interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 3-year Investor P&I | 6.79% p.a. | n/a | 80% |
| Fixed 3-year Owner-occupier interest-only | 6.79% p.a. | n/a | 90% |
| Fixed 3-year Owner-occupier P&I | 6.79% p.a. | n/a | 95% |
| Fixed 5-year Owner-occupier interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 5-year Owner-occupier P&I | 6.79% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.82% p.a. | n/a |
48 of 122 tracked P&N Bank home loan products
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.