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P&N Bank Investor Home Loan

The P&N Bank Investor Home Loan offers variable rates from 6.49% p.a. (6.52% p.a. comparison rate*). Low deposit home loans.


Updated 15 January 2025


Fact checked and verified. Updated 15 January 2025
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Expert Review

If you're searching for a basic home loan with an offset account, then the P&N Bank Investor Home Loan is worth considering. As one of P&N Bank's more basic home loan offerings, it features variable interest rates across the Investor category, and the ability to split your loan with P&N Bank's fixed rates. Further details about the P&N Bank Investor Home Loan benefits are outlined below.

Basic non-package loan for investors:
The key features under this relatively basic investor offering are focused on pricing. Specifically, the pricing advertised includes a $0 monthly fee, and a relatively high variable rate starting from 6.49% p.a. (6.52% p.a. comparison rate) on Principal and Interest repayments. Negotiation of these rates down should be possible, depending on your circumstances. Also, while you should speak with your accountant, many investors opt for an interest only loan, of which the rates are also outlined on this page. While these are relatively lower rates under P&N Bank's more basic no-frills offering, these rates may still be able to be further negotiated down, particularly for investors who are borrowing a large amount, or if they who hold a sizeable deposit or equity in the property already. For investors, this loan does usually require a minimum of 10% deposit or 10% existing equity in the property, and often anything above these amounts will help you negotiate a lower interest rate. Other important features of real value provided in the Investor Home Loan include an interest offset account to minimise interest charged. This can over the life of the loan save significant dollars in interest repayments. There is also the option to split the loan into Variable and Fixed rate components, plus being able to make extra repayments and in the future, redraw funds if desired. In terms of repayments Interest Only repayments or Principal and Interest repayments are offered.
Summary
Considering the basic features available with this product, this home loan will appeal to investors. It will also appeal to someone where the lesser known P&N Bank brand and service isn’t a concern, or for those who are happy to bank with a lender that offers features most important to them, over who the lender is.

Product Details
A variable rate investment loan that comes with an optional offset account and no ongoing fees."
- P&N Bank
Fees

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$0 establishment fee

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$0 annual fee

Other fees may apply.

Loan Amount

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From $20,000

Feature

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No ongoing fees

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Split your loan into fixed and variable rate portions

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Save interest with an offset account

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Make extra repayments

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Redraw extra repayments that you have made

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the P&N Bank website.

More information
* Comparison rate is based on a secured loan of $150,000 over a 25 year term. 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.
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