Terms and Conditions

As a mutual organisation, Newcastle Permanent is owned by and run for the benefit of its members. We do not have shareholders, which means all our focus is on providing better value to you. We aim to provide competitive rates and low fees on all savings, investment and transaction accounts.

• Everyday Account and Online Savings Account
• Other Personal Accounts
• Term Deposits and Gold Term Deposits
• Platinum Deposit Accounts
• Home Loans
• Personal Loans
• Value+ Credit Card

Everyday Account and Online Savings Account

Each Key Features Statement is specific to an account type

• Everyday Account Key Features Statement & Supplementary Terms and Conditions
• Online Savings Account Key Features Statement 

These should be read together with the Deposit Account Terms and Conditions and Internet Banking and Phone Banking Terms and Conditions.

Other Personal Accounts

• Part 1: Key Features Statement and Terms and Conditions for Personal Accounts and Associated Payment Facilities (PDF 1,352kb)
• Part 2: Schedule of Fees, Charges and Daily Limits for Personal Accounts (PDF 674kb) 
• Part 3: Schedule of Interest Rates for Personal Accounts
• Personal supplementary Terms and Conditions

Term Deposit and Gold Term Deposit accounts

• Part 1: Key Features Statement and Terms and Conditions for Term Deposit and Gold Term Deposit Accounts (PDF 162kb)
• Part 2: Schedule of Fees, Charges and Daily Limits for Term Deposit and Gold Term Deposit Accounts (PDF 96kb)
• Part 3: Schedule of Interest Rates for Term Deposit and Gold Term Deposit Accounts
• Supplementary 1 Terms and Conditions for Term Deposit and Gold Term Deposit Accounts - Download (PDF 159kb)

Platinum Deposit Accounts

• Part 1: Key Features Statement and Terms and Conditions for Platinum Deposit Accounts and associated Payment Facilities (PDF 174kb)
• Part 2: Schedule of Fees, Charges and Daily Limits for Platinum Deposit Accounts (PDF 313kb)
• Part 3: Schedule of Interest Rates for Platinum Deposit Accounts
• Supplementary 1, 2, 3 & 4 Terms and Conditions for Platinum Deposit Accounts (PDF 379kb)

Home Loans

• Fees and Charges (PDF - 225kb)

Personal Loans

• Fees and Charges (PDF 245kb)
• Personal and Car Loan Comparison

Value+ Credit Card

• Conditions Of Use (PDF - 209kb)
• Fees and Charges (PDF - 193kb)

Here's some more information for you:
*The link provided is to a website controlled or offered by a third party (non-Newcastle Permanent). This link is provided for convenience only and does not represent any endorsement by Newcastle Permanent of the products or services offered by the website owner.