P&N Bank's Investor Basic home loan is a variable home loan suitable for investors, with no monthly fee and no application fees.
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 |
|---|---|---|---|---|---|
| 6.54% | 6.57% | Variable · investment · 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/242- Content hash
sha256 f6707a56ef2386aee16b4a311c88f79afd3b3cb2c947a941b96f1f44511f81c3- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f6707a56ef2386ae_04278cf7Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/242- Content hash
sha256 f6707a56ef2386aee16b4a311c88f79afd3b3cb2c947a941b96f1f44511f81c3- 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 | 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 | The minimum age is 18 years old |
| 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: other | Investor Lending is not available for non-residents. | |
| Limit: max limit | 5000000.00 | |
| Limit: max lvr | 0.70 | |
| Limit: min limit | 20000.00 | |
| Limit: min lvr | 0.0001 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 6.54% | 6.57% |
*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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