---
title: "Investor Basic P&I LVR>80-90 — P&N Bank"
description: "Home Loans from P&N Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/p-and-n-bank/products/295
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T14:00:23.3596895Z
---

# Investor Basic P&I LVR>80-90 — P&N Bank

> Home Loans from P&N Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

P&N Bank's Investor Basic home loan is a variable home loan suitable for investors, with no monthly fee and no application fees.

## At a glance

- **From (investment):** 6.59% (6.62% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investment · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 6.59% | 6.62% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Statement Retrieval Fee — Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement | Replacement | $2.50 |
| Loan Establishment Fee — No fee for the establishment or top-up of the loan. | Upfront | $0.00 |
| Lenders Mortgage Insurance — 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 government fees. Please see our fact sheet for details. | Other | Variable |
| Valuation Fee — First valuation is free. Additional valuations are charged to you at the cost we have incurred. | Upfront | $0.00 |
| Legal Fee — Payable at cost when legal advice or services are required over the life of the loan. | Other | Variable |
| Third Party Doc Production Fee — 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. | Other | Variable |
| Construction Progress Pmts Fee — Charged per drawdown payment that is made on your construction loan. | Upfront | $50.00 |
| Title Consent Fee — Payable when we are requested to consent to a change relating to your title. | Event | $150.00 |
| Loan Contract Variation Fee — 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. | Variation | $250.00 |
| Discharge Mtg - Non-Settlement Fee — Charged for the preparation of documents for the discharge of mortgage where no settlement is required | Exit | $350.00 |
| Discharge of Mortgage Fee — Charged for the preparation of documents for the discharge of mortgage, please refer to website for details | Exit | $395.00 |
| Withdrawal of Caveat Non-Settlement Fee — Without settlement, per document. When we are requested to remove a caveat lodged on a title. | Event | $55.00 |
| Caveat Withdrawal - Settlement Fee — With settlement, per document. When we are requested to remove a caveat lodged on a title. | Event | $160.00 |
| Construction Prog Inspect Fee — Charged per property inspection required at key milestone completions during your construction loan. | Upfront | $121.00 |
| Loan Account Switching Fee — Charged for switching your home loan to a different product on your request. | Variation | $300.00 |
| Document Preparation Fee — Fee for preparation of loan contracts charged at the time of funding or settlement of the loan. | Upfront | $300.00 |
| Default Notification Fee — 46 · Payable at cost when we issue a default notice because you are in default under the contract | Late payment | Variable |
| Late Payment Notification Fee — 11 · When payment to a home loan becomes overdue by 11 and 30 days | Late payment | $5.00 |
| Management Administration Fee — 90 · When payment to a home loan becomes overdue by more than 90 days | Late payment | $50.00 |
| Collection Agent Administration Fee — 90 · Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent | Late payment | $100.00 |
| GOVT Registration of Mortgage — 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 territory | Other | Variable |
| GOVT Title Search Fee — This fee is payable to the bank in reimbursement of Government charges relating to obtaining title searches on the security property. Amounts are set by the land titles office by each state or territory | Other | Variable |
| Property Exchange Australia (PEXA) Charges — 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 PEXA | Other | Variable |
| GOVT Discharge of Mortgage — 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. | Event | $0.00 |
| Default Interest Rate — 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 applying to the loan account and accrues daily from the due date until payment is made. | Other | Variable |

## Features

- **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 supported** (Subject to our credit policy, the customer may be able to nominate a guarantor during the origination process.)
- **Real-time payments (NPP)** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.)
- **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 facility** (Fee free redraw is available for this home loan if you're ahead on your repayments.)

## Eligibility

- **Minimum age** — 18 years (The minimum age is 18 years old)
- **Individuals only** (Member must be a natural person rather than another legal entity.)
- **Credit eligibilty criteria, terms and conditions, fees and charges apply.**
- **You must be or become a P&N Bank member**
- **Residency status** — Investor Lending is not available for non-residents. (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.)

## Constraints

- **Maximum limit** — $5,000,000.00 (Maximum loan amount is $5,000,000)
- **Maximum LVR** — 90% (The maximum loan to value ratio is 90%)
- **Minimum limit** — $20,000.00 (The minimum loan amount is $20,000)
- **Minimum LVR** — 80.01% (The minimum loan to value ratio is 80.01%)

## More information from P&N Bank

- [Overview](https://www.pnbank.com.au/home-loans/investor/investor-basic/)
- [Terms & conditions](https://www.pnbank.com.au/important-information/terms-and-conditions/home-loans/)
- [Fees & pricing](https://www.pnbank.com.au/help-and-support/fees/home-loans/)

## Data provenance

- Published by P&N Bank under the Consumer Data Right
- Product ID: `295`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/295
- Provider page: https://www.cdrcompare.au/brands/p-and-n-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000128

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/p-and-n-bank/products/295) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)