Investor Offset IO LVR>80-90
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.
- From (investment)
- 6.99%
- 6.8% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Interest only for 3 years. Reverts to Principal & Interest repayment on expiry of Interest Only period. Please refer to your loan contract for full details. · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.99% | 6.8% | — |
| Variable Interest only for 5 years. Reverts to Principal & Interest repayment on expiry of Interest Only period. Please refer to your loan contract for full details. · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 6.99% | 6.8% | — |
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 establishment or top-up of the home 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 |
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.
- Offset account
- & Access offset account is available for this loan. Offset account must be held in the name of one or more (or all) of the home loan borrowers. Up to 3 offset accounts may be linked to a home loan account at any 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.
Eligibility
- Minimum age — 18 yearsThe minimum age is 18 years old
- Individuals onlyMember 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 — $5,000,000.00Maximum loan amount is $5,000,000
- Maximum LVR — 90%The maximum loan to value ratio is 90%
- Minimum limit — $20,000.00The minimum loan amount is $20,000
- Minimum LVR — 80.01%The minimum loan to value ratio is 80.01%
More Information
Published by P&N Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 302 · View on CDR.gov.au