P&N Bank
Investor Offset P&I LVR<70
P&N Bank's Investor Offset home loan is a variable home loan suitable for investors, with 100% offset account, no monthly fee and no application fees.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (investor P&I)
- 6.32%
- Max LVR
- 70%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInvestment | Investment · P&I | — | — | 6.32% | 6.35% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
§ 02 — Fees · 25
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Caveat Withdrawal - Settlement Fee | Event | $160 | — | With settlement, per document. When we are requested to remove a caveat lodged on a title. |
| Title Consent Fee | Event | $150 | — | Payable when we are requested to consent to a change relating to your title. |
| Withdrawal of Caveat Non-Settlement Fee | Event | $55 | — | Without settlement, per document. When we are requested to remove a caveat lodged on a title. |
| Discharge Mtg - Non-Settlement Fee | Exit | $350 | — | Charged for the preparation of documents for the discharge of mortgage where no settlement is required |
| Discharge of Mortgage Fee | Exit | $395 | — | Charged for the preparation of documents for the discharge of mortgage, please refer to website for details |
| Collection Agent Administration Fee | Late payment | $100 | 90 days after due | Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent |
| Default Notification Fee | Late payment | Varies | 46 days after due | Payable at cost when we issue a default notice because you are in default under the contract |
| Late Payment Notification Fee | Late payment | $5 | 11 days after due | When payment to a home loan becomes overdue by 11 and 30 days |
| Management Administration Fee | Late payment | $50 | 90 days after due | When payment to a home loan becomes overdue by more than 90 days |
| Default Interest Rate | Other | Varies | — | A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applyi… |
| GOVT Discharge of Mortgage | Other | Varies | — | This fee is payable to the bank in reimbursement of Government charges relating to discharge of mortgage on the security property. Amounts are set by the land titles office by each state or territory |
| GOVT Registration of Mortgage | Other | Varies | — | This fee is payable to the bank in reimbursement of Government charges relating to registration of mortgage on the security property. Amounts are set by the land titles office by each state or territ… |
| Lenders Mortgage Insurance | Other | Varies | — | LMI is insurance that protects the bank if the borrower/s are unable to make home loan repayments. LMI is required when a borrowers deposit is generally less than 20% of the property value plus other… |
| Property Exchange Australia (PEXA) Charges | Other | Varies | — | Payable when we have to register or release of any documents relating to a security electronically, request information or we process a financial settlement using PEXA. Fees are applied as charged by… |
| Third Party Doc Production Fee | Other | Varies | — | Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security. |
| Title Search Fee | Other | Varies | — | This fee is payable to the bank in reimbursement of costs incurred for obtaining title searches on the security property. |
| Statement Retrieval Fee | Replacement | $2.50 | — | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement |
| Construction Prog Inspect Fee | Upfront | $121 | — | Charged per property inspection required at key milestone completions during your construction loan. |
| Construction Progress Pmts Fee | Upfront | $50 | — | Charged per drawdown payment that is made on your construction loan. |
| Document Preparation Fee | Upfront | $300 | — | Fee for preparation of loan contracts charged at the time of funding or settlement of the loan. |
| Legal Fee | Upfront | No fee | — | Payable at cost when legal advice or services are required over the life of the loan. |
| Loan Establishment Fee | Upfront | No fee | — | No fee for establishment or top-up of the home loan |
| Valuation Fee | Upfront | No fee | — | First valuation is free. Additional valuations are charged to you at the cost we have incurred. |
| Loan Account Switching Fee | Variation | $300 | — | Charged for switching your home loan to a different product on your request. |
| Loan Contract Variation Fee | Variation | $250 | — | Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to the term of a loan or a loan account. |
§ 03 — Features
Offset accountRedrawExtra repaymentsGuarantor optionInstant paymentsDigital banking
- · Make extra repayments without penalty, to pay off your home loan even faster.
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Investor Lending is not available for non-residents.
- · Available to individuals
- · Amount $20,000 to $5,000,000
- · Maximum LVR 70%
- · Credit eligibilty criteria, terms and conditions, fees and charges apply.
- · You must be or become a P&N Bank member
§ 06 — Run the numbers
Put this product through a calculator
Published by P&N Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.