P&N Bank home loan rates

70 advertised rate lines across 32 products, published by P&N Bank under the Consumer Data Right. Read this morning. No lender pays to be listed.

Where it sits

6.13% P&N Bank, lowest open
5.84% The benchmark
0.29pp higher

The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.

Both figures are advertised rates for a new customer. The discount a broker negotiates is published nowhere and is not in either number. Read your own rate against this.

Owner-occupied, principal and interest

ProductTypeLVR RateComparison
Basic Variable HL LVR <60 variable — 6.13% 6.16%
Basic Variable HL LVR >60-70 variable — 6.17% 6.20%
Offset Variable HL LVR<60 variable — 6.17% 6.20%
Basic Variable HL LVR >70-80 variable — 6.19% 6.22%
Offset Variable HL LVR>60-70 variable — 6.19% 6.22%
Fixed Home Loan (P&I) LVR <80 fixed 1y — 6.27% 6.32%
Fixed Home Loan (P&I) LVR <80 introductory — 6.27% 6.31%
Offset Variable HL>70-80 variable — 6.35% 6.38%
Fixed Home Loan (P&I) LVR >80 fixed 1y — 6.37% 6.33%
Fixed Home Loan (P&I) LVR >80 fixed 2y — 6.37% 6.33%
Basic Variable HL LVR >80-90 variable — 6.49% 6.52%
Offset Variable HL LVR>80-90 variable — 6.67% 6.70%
Fixed Home Loan (P&I) LVR <80 fixed 3y — 6.69% 6.43%
Fixed Home Loan (P&I) LVR <80 fixed 4y — 6.74% 6.48%
Fixed Home Loan (P&I) LVR >80 fixed 3y — 6.79% 6.46%
Basic Variable HL LVR >90-95 variable — 6.79% 6.82%
Fixed Home Loan (P&I) LVR <80 fixed 5y — 6.79% 6.54%
Fixed Home Loan (P&I) LVR >80 fixed 4y — 6.84% 6.52%
Fixed Home Loan (P&I) LVR >80 fixed 5y — 6.89% 6.58%
Offset Variable HL LVR>90-95 variable — 7.20% 7.23%

No line here states how much of the property's value it applies to. That is what P&N Bank publishes, not a statement about how much it will lend.

Owner-occupied, interest only

ProductTypeLVR RateComparison
Fixed Home Loan (IO) LVR <80 fixed 1y — 6.27% 6.32%
Fixed Home Loan (IO) LVR <80 fixed 2y — 6.27% 6.31%
Fixed Home Loan (IO) LVR >80 fixed 1y — 6.37% 6.33%
Fixed Home Loan (IO) LVR >80 fixed 2y — 6.37% 6.33%
Fixed Home Loan (IO) LVR <80 fixed 3y — 6.69% 6.43%
Fixed Home Loan (IO) LVR <80 fixed 4y — 6.74% 6.48%
Fixed Home Loan (IO) LVR <80 fixed 5y — 6.79% 6.54%
Fixed Home Loan (IO) LVR >80 fixed 3y — 6.79% 6.46%
Fixed Home Loan (IO) LVR >80 fixed 4y — 6.84% 6.52%
Fixed Home Loan (IO) LVR >80 fixed 5y — 6.89% 6.58%
Reverse Mortgage Home Loan variable — 9.00% 9.03%

No line here states how much of the property's value it applies to. That is what P&N Bank publishes, not a statement about how much it will lend.

Investment, principal and interest

ProductTypeLVR RateComparison
Investor Basic (P&I) LVR <70 variable — 6.29% 6.32%
Investor Offset P&I LVR<70 variable — 6.32% 6.35%
Investor Basic P&I LVR>70-80 variable — 6.34% 6.37%
Investor Offset P&I LVR >70-80 variable — 6.37% 6.40%
Fixed Home Loan Inv P&I LVR<80 fixed 2y — 6.39% 6.50%
Fixed Home Loan Inv P&I LVR<80 fixed 1y — 6.42% 6.51%
Fixed Home Loan Inv P&I LVR>80 fixed 2y — 6.49% 6.52%
Fixed Home Loan Inv P&I LVR>80 fixed 1y — 6.52% 6.52%
Investor Basic P&I LVR>80-90 variable — 6.59% 6.62%
Investor Offset P&I LVR>80-90 variable — 6.69% 6.72%
Fixed Home Loan Inv P&I LVR<80 fixed 3y — 6.79% 6.60%
Fixed Home Loan Inv P&I LVR>80 fixed 3y — 6.89% 6.63%
Fixed Home Loan Inv P&I LVR<80 fixed 4y — 6.99% 6.70%
Fixed Home Loan Inv P&I LVR<80 fixed 5y — 6.99% 6.74%
Fixed Home Loan Inv P&I LVR>80 fixed 4y — 7.09% 6.74%
Fixed Home Loan Inv P&I LVR>80 fixed 5y — 7.09% 6.78%

No line here states how much of the property's value it applies to. That is what P&N Bank publishes, not a statement about how much it will lend.

Investment, interest only

ProductTypeLVR RateComparison
Fixed Home Loan Inv IO LVR<80 fixed 2y — 6.39% 6.50%
Fixed Home Loan Inv IO LVR<80 fixed 1y — 6.42% 6.51%
Fixed Home Loan Inv IO LVR>80 fixed 2y — 6.49% 6.52%
Fixed Home Loan Inv IO LVR>80 fixed 1y — 6.52% 6.52%
Investor Basic (IO) LVR <70 variable — 6.59% 6.40%
Investor Offset IO LVR<70 variable — 6.60% 6.43%
Investor Basic IO LVR>70-80 variable — 6.64% 6.45%
Investor Basic IO LVR>80-90 variable — 6.64% 6.63%
Investor Offset IO LVR>70-80 variable — 6.67% 6.48%
Fixed Home Loan Inv IO LVR<80 fixed 3y — 6.79% 6.60%
Fixed Home Loan Inv IO LVR>80 fixed 3y — 6.89% 6.63%
Fixed Home Loan Inv IO LVR<80 fixed 4y — 6.99% 6.70%
Fixed Home Loan Inv IO LVR<80 fixed 5y — 6.99% 6.74%
Investor Offset IO LVR>80-90 variable — 6.99% 6.80%
Fixed Home Loan Inv IO LVR>80 fixed 4y — 7.09% 6.74%
Fixed Home Loan Inv IO LVR>80 fixed 5y — 7.09% 6.78%

No line here states how much of the property's value it applies to. That is what P&N Bank publishes, not a statement about how much it will lend.

Left out of the figures above

ProductWhy it is outRate
Bridging Loan L61 Eligibility 9.52%

The data says a product is restricted. It never says whether you qualify. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

P&N Bank last moved a rate line on Monday 17 August. Every line is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what P&N Bank told you, it is usually one of these.

The published data is wrong

P&N Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source — if the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: P&N Bank
ABN: not published in the CDR Register
Product Reference Data endpoint: https://public.cdr-api.pnbank.com.au
Data read from that endpoint on: Sunday 13 September
Rate lines published at that time: 70

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.
Open the report form ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it: a band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not. That one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Same place. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.

Building something with this? There is an API, and the data is free.

Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.