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Newcastle Permanent

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BSB 650 000

Lock in a low home loan rate

1.98
%
P.A.
3 Year Premium Plus Package Fixed Rate - Special#
3.56
%
P.A.
Comparison rate *
Find out more

Owner occupied with principal and interest repayments, LVR ≤ 80%. Reverts to Premium Plus Package Tier 4 variable interest rate at end of Fixed Rate period.

Charitable Foundation reaches project milestone

$125,000 invested in PCYC NSW youth mental wellbeing program.

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Winning home loan lender

Making it possible to step onto the property ladder. Not bad.

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2021 RateCity Gold Awards

$2,000 cashback for switching your home loan^

  • Smile icon $2,000 cashback for new refinanced loans^
  • Cash icon Minimum loan $250,000 & LVR ≤80%
  • building icon For owner occupied and investment home loans
  • moneybag icon Paid into your Everyday Account
Cashback Terms and Conditions.

"Based on interest rates, products and flexibility, Newcastle Permanent was way ahead of the other banks for us." -Molly and Michael.

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    Find a local branch or ATM

    You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre team. 

    With many customers now choosing contactless ways of banking, you will find these branches open on a Saturday morning: Waratah, Wallsend, Greenhills, Charlestown Square, Raymond Terrace, Glendale, Kotara, Mount Hutton, Swansea, Erina, and Tuggerah.

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Interest rates effective as of 21/04/2021 and are subject to change without notice.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only repayments equal in length to the fixed period. You should consider whether the loan is suitable for you. 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.
#Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
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.
~More than $11bn in total assets, 2020 Annual Report.
^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *30/06/21 and funded by 31/08/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday Account. Only one (1) Cashback Payment per eligible loan. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Terms and conditions.