A low rate, no-frills variable rate basic home loan for owner occupiers.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.42% | 6.45% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/285- Content hash
sha256 c1cfa07a1539eafef7eb7939d2cb103d117b26bf6beee89b8cf33c049c3d3e8d- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c1cfa07a1539eafe_6f6171c0Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/285- Content hash
sha256 c1cfa07a1539eafef7eb7939d2cb103d117b26bf6beee89b8cf33c049c3d3e8d- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Statement Retrieval Fee | Replacement | $2.50 |
| Loan Establishment Fee | Upfront | $0.00 |
| Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Valuation Fee | Upfront | $0.00 |
| Legal Fee | Other | Set in your letter of offer |
| Third Party Document Production Fee | Other | Set in your letter of offer |
| Construction Progress Payment Fee | Upfront | $50.00 |
| Title Consent Fee | Event | $150.00 |
| Loan Contract Variation Fee | Variation | $250.00 |
| Discharge of Mortgage Non-Settlement Fee | Exit | $350.00 |
| Discharge of Mortgage Settlement Fee | Exit | $395.00 |
| Withdrawal of Caveat Non Settlement Fee | Event | $55.00 |
| Withdrawal of Caveat Settlement Fee | Event | $160.00 |
| Construction Progress Inspection Fee | Upfront | $121.00 |
| Loan Account Switching Fee | Variation | $300.00 |
| Document Preparation Fee | Upfront | $300.00 |
| Default Notification Fee | Late payment | Set in your letter of offer |
| Late Payment Notification Fee | Late payment | $5.00 |
| Management Administration Fee | Late payment | $50.00 |
| Collection Agent Administration Fee | Late payment | $100.00 |
| GOVT Registration of Mortgage | Other | Set in your letter of offer |
| GOVT Discharge of Mortgage | Other | Set in your letter of offer |
| Title Search Fee | Other | Set in your letter of offer |
| Property Exchange Australia (PEXA) Charges | Other | Set in your letter of offer |
| Default Interest Rate | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Keep a close eye on the details that matter. Use internet banking or mobile app to view your loan balance, track your interest rate, and maturity date. | |
| Extra repayments | Extra repayments are allowed on variable home loans without additional charges. | |
| Guarantor | Subject to our credit policy, the customer may be able to nominate a guarantor during the origination process. | |
| Npp enabled | Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time. | |
| Other | Make extra repayments without penalty, to pay off your home loan even faster. | |
| Other | Flexible loan structuring options may be available, including the ability to request to split your loan into fixed and variable components, subject to approval and product eligibility. | |
| Redraw | Fee free redraw is available for this home loan if you're ahead on your repayments. | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | Member must be a natural person rather than another legal entity. | |
| Eligibility: other | Credit eligibilty criteria, terms and conditions, fees and charges apply. | |
| Eligibility: other | You must be or become a P&N Bank member | |
| Eligibility: residency status | At least one applicant must be an Australian or New Zealand citizen or an Australian permanent resident. Income for non-permanent residents isn't included. Australian's living overseas are eligible only if they had prior lending with PNL. | |
| Limit: max limit | 5000000.00 | |
| Limit: max lvr | 0.70 | |
| Limit: min limit | 20000.00 | |
| Limit: min lvr | 0.6001 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.42% | 6.45% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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