All Home Loan Interest Rates

With so many different home loans on the market, Newcastle Permanent aims to make it easy for you to select the right loan to suit your circumstances. Whether you want a variable or fixed rate home loan, a line of credit facility or the freedom to split your loan, we have the home loan package to suit you.

Premium Plus Package

Premium Plus Package - Variable Rate Loan	Rate	Comparison Rate**
Tier 1*	6.39% p.a.	6.70% p.a.
Tier 2*	6.34% p.a.	6.65% p.a.
Tier 3*	6.24% p.a.	6.55% p.a.
Tier 4*	6.19% p.a.	6.50% p.a.
Rate(s) effective as at 03 Feb 2012

Premium Plus Package - Line Of Credit	Rate
Tier 1*	6.47% p.a.
Tier 2*	6.42% p.a.
Tier 3*	6.32% p.a.
Tier 4*	6.27% p.a.
Rate(s) effective as at 03 Feb 2012

Real Deal Home Loan

Basic Home Loan	Rate	Comparison Rate**
Real Deal Variable Rate Loan	6.47% p.a.	6.51% p.a.
Discounted Real Deal Variable Rate Loan#	6.22% p.a.	6.43% p.a.
Rate(s) effective as at 03 Feb 2012

Intro Rate Home Loan

12 Month Introductory Package	Rate	Comparison Rate**
Intro Rate† Home Loan	6.17% p.a.	6.83% p.a.
Rate(s) effective as at 03 Feb 2012

Real Options and Premium Variable Home Loans

Variable Rate Loans	Rate	Comparison Rate**
Real Options Rate	6.87% p.a.	6.91% p.a.
Premium Variable Rate	7.09% p.a.	7.16% p.a.
Rate(s) effective as at 03 Feb 2012

Fixed Rate Home Loan

Fixed Rate Loans	Rate	Comparison Rate**
1 Year Fixed Rate	5.79% p.a.	6.79% p.a.
2 Year Fixed Rate	5.79% p.a.	6.69% p.a.
3 Year Fixed Rate	6.14% p.a.	6.70% p.a.
4 Year Fixed Rate	6.59% p.a.	6.80% p.a.
5 Year Fixed Rate	6.64% p.a.	6.80% p.a.
7 Year Fixed Rate	7.69% p.a.	7.39% p.a.
10 Year Fixed Rate	7.69% p.a.	7.51% p.a.
Rate(s) effective as at 03 Feb 2012

Real Equity Home Loan

Line of Credit	Rate
Real Equity Home Loan	7.07% p.a.
Rate(s) effective as at 03 Feb 2012

# 3 year discount of 0.25%p.a. off the Real Deal variable interest rate. Rate reverts to Real Deal interest rate at end of 3 year discount period. Offer available for new mortgage loan applications. Terms and Conditions apply.

†Intro Rate Home Loan - 1 year discount of 0.70%p.a. off the Real Options variable interest rate. Reverts to Real Options interest rate.

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

* Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000

Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.