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P&N Bank Investor Fixed Rate Home Loan

The P&N Bank Investor Fixed Rate Home Loan offers fixed rates from 5.74% p.a. (6.13% p.a. comparison rate*). Low deposit home loans.


Updated 11 May 2025


Fact checked and verified. Updated 11 May 2025
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Expert Review

If you're looking for a fee free home loan with basic features, then the P&N Bank Investor Fixed Rate Home Loan is worth considering. As one of P&N Bank's more basic home loan offerings, it features fixed interest rates across the Investor category, and the ability to split your loan with P&N Bank's variable rates. Further details about the P&N Bank Investor Fixed Rate 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, with a 3 year fixed interest rate from 5.74% p.a. (6.13% p.a. comparison rate), in addition to other fixed-rate periods also displayed on this page. Upon the expiry of the fixed rate period, the loan will revert to a variable rate priced loan, currently priced from 6.09% p.a. (6.12% p.a. comparison rate), however commonly investors renegotiate a new loan prior to this expiry date. 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. There is the option to split the loan into Variable and Fixed rate components. 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
Fix your mortgage payments from 1 to 5 years."
- 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

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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