Compare Home Loan Rates | Newcastle Permanent

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3,000 reasons to refinance online

Save precious time and money by refinancing your home loan online. We’ll take care of the rest.

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Online Refi Cashback Offer Terms and Conditions

$3,000 cashback^{^}

By simply refinancing with us online.
Save money and time

Get your application underway in just 15 minutes.
Give paperwork the flick

Less life admin means more time for the stuff that matters.
Go with the pros

We've got you covered every step of the way.

Find a loan to match your home

Featured

Real Deal Home Loan

Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.

6.04

%

p.a

6.08

%

p.a

Real Deal - Special 1. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

Find out more Enquire now

100% Interest offset account Not available, however eligible accounts may be linked and the credit interest rate which would otherwise be payable is offset against the interest charged each month on your loan (however there is no additional interest benefit). Please see the Everyday Account Product Schedule or talk to us for more information.		No
Redraw facility Yes. Available on application. No minimum redraw amount and you can redraw all amounts in advance. Online redraw is fee free. Branch redraw fee applies.		Yes
Additional repayments You can make regular additional repayments and extra lump sum payments.		Yes
Package benefits Not available		No
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Premium Plus Package Fixed Rate

A fixed rate package home loan with additional perks like redraw and discounts on other products.

5.99

%

p.a

7.76

%

p.a

2 Year Special. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

Find out more Enquire now

100% Interest offset account Not available		No
Redraw facility Redraw available on application, up to $25,000 per calendar year, with minimum redraw amount of $500.		Yes
Additional repayments You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.		Yes
Package benefits This loan comes with a Premium Plus Package, offering a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus Package product.		Yes
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Premium Plus Package Variable Rate

A variable rate package home loan with fee free redraw and a 100% offset account.

6.09

%

p.a

6.43

%

p.a

Special Discount 1. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

Find out more Enquire now

100% Interest offset account Ability to link multiple Everyday Accounts with 100% interest offset.		Yes
Redraw facility Available to redraw repayments in advance, fee free.		Yes
Additional repayments You can make regular additional repayments and extra lump sum payments.		Yes
Package benefits This loan comes with a Premium Plus Package, offering a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus Package product.		Yes
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Fixed Rate Home Loan

Lock in your repayments with a fixed rate, with options up to 5 years.

6.09

%

p.a

8.04

%

p.a

2 Year Special. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

Find out more Enquire now

100% Interest offset account Not available		No
Redraw facility Not available		No
Additional repayments You can make regular additional and extra lump sum repayments, up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.		Yes
Package benefits Not available		No
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Helping you into your home sooner

The Home Guarantee Scheme (HGS) is an Australian Government initiative supporting eligible home buyers to purchase a home sooner, through a national annual allocation of places under three separate Guarantees.

As of 1 July 2023, the Scheme’s expanded eligibility criteria now supports even more Australian permanent residents, combinations of joint home buyers, and even those who’ve previously owned property but haven’t done so for the past 10 years, to buy a home sooner.

If you're eligible to participate in the HGS, we'll work with you throughout your loan application to secure a place under the relevant Guarantee.

Find your local lender

How Rate Lock works Talk to a local lender

Together, the Charitable Foundation and We Care Connect can help change the cycle of poverty and provide the every day essentials that families deserve.

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Calculators and tools

Why Premium Plus Package
Features

The Premium Plus home loan packages offer a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus package product.
Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

Optional benefits

You can maximise your Premium Plus Package and apply for a range of additional benefits:

Value+ Credit Card has no annual fee

Everyday Account with 100% interest offset

Personal Loans application fee waived

Comprehensive Car insurance offers up to a 5% discount

Home and contents insurance offers up to a 10% discount

Landlord insurance offers up to a 10% discount

Give our friendly staff a call on 13 19 87 or visit your local branch to take advantage of these options.

Eligibility

You are eligible to receive these benefits if you have a:

Premium Plus Package Fixed Rate Home Loan

Premium Plus Package Variable Rate Home Loan, or a

Premium Plus Package Credit Facility.

Enquire today

Important information about Premium Plus Package
A $395 annual Premium Plus Package fee applies. Package benefits for a product or service described above are only available where the product is in the same name as the package holder, and only available while you hold an active Premium Plus Package.
Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

Newcastle Permanent, a part of Newcastle Greater Mutual Group Ltd, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details or see our Financial Services Guide before we provide you with services.

Premium Plus Package Customers are eligible for an ongoing premium discount when purchasing a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount, each of them is applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.
Calculators

Home loan repayment calculator

Popular home loans

Real Deal Home Loan	Interest Rate	Comparison Rate*
Discounted Real Deal^	7.85%p.a.	8.07%p.a.
Real Deal	8.10%p.a.	8.15%p.a.

Real Deal Home Loan - Special**	Interest Rate	Comparison Rate*
Real Deal - Special 1	6.04%p.a.	6.08%p.a.
Real Deal - Special 2	6.69%p.a.	6.73%p.a.

^{^} 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Only repayments). Rate reverts to Real Deal variable interest rate at end of 3 year discount period. Offer available for new mortgage owner occupied home loan applications. Terms and Conditions apply.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.

Interest rates effective as of 18/04/2024 and are subject to change without prior notice.

**Real Deal At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
•They have a Real Deal Home Loan with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
•They convert an existing Newcastle Permanent loan to a Real Deal Home Loan with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings.
Converted borrowings do not constitute new borrowings.
The special interest rate is determined by reference to the applicable LVR. Currently, the LVR requirements are as follows:
•Special 1 – For loans with an LVR of less than or equal to 80%, a discount of 2.06% is deducted from the Real Deal Home Loan interest rate.
•Special 2 – For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.41% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.

Premium Plus Package Fixed Rate Home Loan^#	Interest Rate	Comparison Rate*
1 Year Premium Plus Package Fixed Rate - Special~	6.29%p.a.	7.97%p.a.
1 Year Premium Plus Package Fixed Rate	6.39%p.a.	7.98%p.a.
2 Year Premium Plus Package Fixed Rate - Special~	5.99%p.a.	7.76%p.a.
2 Year Premium Plus Package Fixed Rate	6.09%p.a.	7.78%p.a.
3 Year Premium Plus Package Fixed Rate - Special~	5.99%p.a.	7.59%p.a.
3 Year Premium Plus Package Fixed Rate	6.09%p.a.	7.62%p.a.
4 Year Premium Plus Package Fixed Rate - Special~	5.99%p.a.	7.45%p.a.
4 Year Premium Plus Package Fixed Rate	6.09%p.a.	7.48%p.a.
5 Year Premium Plus Package Fixed Rate - Special~	5.99%p.a.	7.32%p.a.
5 Year Premium Plus Package Fixed Rate	6.09%p.a.	7.36%p.a.

Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.

Interest rates effective as of 18/04/2024 and are subject to change without prior notice.

^#Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.

^~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

Premium Plus Package Owner Occupied Specials***	Interest Rate	Comparison Rate*
Premium Plus Package - Discount 1	6.09%p.a.	6.43%p.a.
Premium Plus Package - Discount 2	6.90%p.a.	7.23%p.a.

^***Premium Plus Package Variable Rate Discounted interest rates are available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rate if:
•they have a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
•they convert an existing Newcastle Permanent loan to a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings.
Converted borrowings do not constitute new borrowings. The discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
•Discount 1 - For loans with an LVR of less than or equal to 80%, a discount of 1.73% is deducted from the Premium Plus Package Variable Rate Tier 4.
•Discount 2 - For loans with an LVR of greater than 80% and less than 95%, a discount of 0.92% is deducted from the Premium Plus Package Variable Rate Tier 4.
Terms and conditions, fees and charges apply.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.

Interest rates effective as of 18/04/2024 and are subject to change without prior notice.

Fixed Rate Home Loan^##	Interest Rate	Comparison Rate*
1 Year Fixed Rate - Special~	6.39%p.a.	8.31%p.a.
1 Year Fixed Rate	6.49%p.a.	8.32%p.a.
2 Year Fixed Rate - Special~	6.09%p.a.	8.04%p.a.
2 Year Fixed Rate	6.19%p.a.	8.06%p.a.
3 Year Fixed Rate - Special~	6.09%p.a.	7.82%p.a.
3 Year Fixed Rate	6.19%p.a.	7.85%p.a.
4 Year Fixed Rate - Special~	6.09%p.a.	7.63%p.a.
4 Year Fixed Rate	6.19%p.a.	7.66%p.a.
5 Year Fixed Rate - Special~	6.09%p.a.	7.45%p.a.
5 Year Fixed Rate	6.19%p.a.	7.50%p.a.

^##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.

^~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

Interest rates effective as of 18/04/2024 and are subject to change without prior notice.

View all home loan interest rates.

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Interest rates effective as of 18/04/2024 and are subject to change without prior notice.

Terms and conditions, fees, charges and credit criteria apply.

References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

**Real Deal At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
•They have a Real Deal Home Loan with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
•They convert an existing Newcastle Permanent loan to a Real Deal Home Loan with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings.
Converted borrowings do not constitute new borrowings.
The special interest rate is determined by reference to the applicable LVR. Currently, the LVR requirements are as follows:
•Special 1 – For loans with an LVR of less than or equal to 80%, a discount of 2.06% is deducted from the Real Deal Home Loan interest rate.
•Special 2 – For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.41% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.

^~~Save up to 10%: When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn't applied on renewal. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz's standard rates, excluding optional covers, and are for the first year's premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
^@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
^&Minimum Premiums: If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

^Online Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $3,000 cashback for loans ≥$250,000 and LVR ≤80%. Applications must be submitted through Newcastle Permanent’s online application channel. If eligible, cashback payment will be made after loan settlement to an eligible Newcastle Permanent deposit product. Only one (1) Online Refi Cashback per eligible loan, and for first eligible loan only. Not available in conjunction with any other Newcastle Permanent promotional payment. Offer may be varied or withdrawn at any time. See the full Online Refi Cashback Offer Terms and Conditions.

Click to cash-in

Give paperwork the flick and $3,000 cashback^{^} the tick when you refinance your home loan online.

What are you looking to do

3,000 reasons to refinance online

Find a loan to match your home

Real Deal Home Loan

Premium Plus Package Fixed Rate

Premium Plus Package Variable Rate

Fixed Rate Home Loan

Ready, offset, go!

Helping you into your home sooner

First Home Guarantee

Family Home Guarantee

Regional First Home Buyer Guarantee

Home loans with a personal touch

Lock in our great fixed rate

Calculators and tools

Why Premium Plus Package

Features

Optional benefits

Eligibility

Calculators

Home loan repayment calculator

Featured rates

Popular home loans

Find a lender

Local lender

Save up to 10%

Tips on saving through to settlement

Download our app

Click to cash-in

Give paperwork the flick and $3,000 cashback^ the tick when you refinance your home loan online.

What are you looking to do

3,000 reasons to refinance online

Find a loan to match your home

Real Deal Home Loan

Premium Plus Package Fixed Rate

Premium Plus Package Variable Rate

Fixed Rate Home Loan

Ready, offset, go!

Helping you into your home sooner

First Home Guarantee

Family Home Guarantee

Regional First Home Buyer Guarantee

Home loans with a personal touch

Lock in our great fixed rate

Calculators and tools

Why Premium Plus Package

Features

Optional benefits

Eligibility

Calculators

Home loan repayment calculator

Featured rates

Popular home loans

Find a lender

Local lender

Save up to 10%

Tips on saving through to settlement

Connect with us

Download our app

Give paperwork the flick and $3,000 cashback^{^} the tick when you refinance your home loan online.