Interest rates from+

4.62% per annum

Comparison Rate

4.97% per annum

Get easy access to your money - where ever you are


Move into a multi-award winning home loan


Over the years we’ve found that being big only gets you so far, but being smart gets you further. It’s helped us to develop products that have been recognised as some of the best in the country by industry professionals.

Our Premium Plus Package is packed with features and also comes with a 5 Star Canstar Rating. An annual package fee applies.


100% Offset Facility


Redraw on additional repayments when you need extra cash


$0 Application Fee


Discounts on a range of insurance products~


$0 annual Value+ Credit Card Fee


$0 application fee for Personal and Car Loans


Limited time offer - $1,000  Cashback!*

Switch your home loan to Newcastle Permanent now and score $1,000 cashback*! Plus you could end up with thousands more in your pocket over the life of your loan compared with a 'big 4' bank.

Simply refinance your home loan from another financial institution on a loan of $150,000 or above and we’ll deposit the $1,000 to the loan account of the refinanced loan. Apply before 01 May 2015 and settle by 26 June 2015.

* View the cashback terms and conditions
  1. This offer is provided by Newcastle Permanent Building Society Ltd ABN 96 087 651 992 of 307 King Street Newcastle West NSW 2302 ("NPBS").
  2. This offer commences 2 February 2015 and closes 1 May 2015 (“Offer Period”).
  3. This offer is open to Australian residents only, including employees of NPBS and their immediate family.
  4. A payment under the Cashback Offer ("Cashback Payment") will be paid for residentially secured home loans refinanced from another financial institution to NPBS during the Offer Period as follows.
  5. A borrower must refinance to NPBS a residentially secured home loan from another financial institution to be eligible for the Cashback Offer. A borrower's loan application in conjunction with this Cashback Offer will be subject to NPBS's usual credit assessment and approval processes.
  6. The Cashback Payment is $1,000 where as a result of a refinance under the Cashback Offer, the total loan refinanced, either jointly or individually with NPBS is $150,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must commence and be funded by 26 June 2015.
  9. A borrower is eligible for a Cashback Payment only once during the Offer Period. Once a loan application that is eligible for a Cashback Payment is received, no further loans which include that borrower, jointly or individually will be eligible for a Cashback Payment.
  10. Fees and charges apply to loans taken out under this Cashback Offer. Refer to the Schedule of Fees and Charges for Home Loans.
  11. The Cashback Payment will be deposited to the loan account for the refinanced loan after the settlement date. The Cashback Payment will not be made to the borrower in cash (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign his or her right to the Cashback Payment to any other person.
  13. NPBS accepts no responsibility for any tax implications that may arise from the Cashback Offer. The borrower should seek their own independent advice in this regard.
  14. Participation in the Cashback Offer is deemed acceptance of these terms.



Premium Plus Package Home Loan – Say hello to a new low!

For a limited time we are offering a special packaged home loan discounted rate of 4.62%p.a.** (comparison rate 4.97%p.a.) if you have more than 20% equity and a minimum home loan of $250,000.

Also, for a limited time, if you have 10% equity or more we are waiving the minimum loan amount required to access Premium Plus Package Tier 4 rate.*** An annual package fee applies.

View our interest rates.


So why do your banking with us?

So why do your banking with us?

Copyright © Newcastle Permanent Building Society Limited ACN 087 651 992. Australian Financial Services Licence / Australian Credit Licence 238273

Interest rate effective as of 01/04/2015 and is subject to change without notice.

Terms and conditions for personal accounts and credit cards apply. Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full Terms and Conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

† The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. A Comparison Rate Schedule is available at any Newcastle Permanent branch or can be downloaded from our website at 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.

+ Offer available for new loan applications only. Special offer is for a limited time only. Premium Plus Package Tiers are determined by your combined total home loan balances and available to new applicants.

**Minimum loan size $250,000 with maximum LVR 80% (more than 20% equity).  Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply.

*** Maximum LVR of less than or equal to 90% (10% equity or more). Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply.

Figures taken from the Newcastle Permanent 2013-2014 Annual Report.

~ Newcastle Permanent Building Society Limited ACN 087 651 992 acts under its own Australian Financial Services Licence 238273 in arranging these insurances. Home, Contents, Travel, Motor and Landlords Insurance are issued by AAI Limited ABN 48 005 297 807 trading as Vero Insurance, AFSL 230859. You can get a Product Disclosure Statement (PDS) for these Insurance products from any branch of Newcastle Permanent Building Society or by phoning 13 19 87. You should consider the PDS in deciding whether to buy or continue to hold any of these products.