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BSB 806 015

Can't decide between a fixed or variable rate home loan?

With our award-winning split rate home loan, you get the certainty of a fixed rate loan and the flexibility and features of a variable rate loan – so you can have it all.

Enjoy peace of mind by splitting your home loan.

Variable rate: Enjoy a lower rate if interest rates drop. Plus, enjoy all the features that come with some variable rate loans including offset accounts, the option to redraw and the possibility to pay down this portion of the loan sooner.

Fixed rate: If interest rates rise, enjoy knowing your repayments are fixed and will stay the same for your loan term.


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For a limited time only, take out a home loan or refinance your home with P&N Bank and you could get $3,000 cashback. Find out more.


We're ready to help

With our simple application process and fast approvals, applying for a split rate home loan with P&N Bank couldn't be easier.

Need more information?Speak to a lending specialistVisit a branchMobile lender to visit you

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