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Newcastle Permanent

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BSB 650 000

Get up to $3,000 cashback^

When you apply for a new purchase or refinance online. Big moves deserve a big reward

Apply online Find out more

^T&Cs and credit criteria apply.

Save your way with flexible term options

4.65
%
P.A.
6-month term with interest paid at maturity. Minimum investment of $1,000
Open online Find out more

A hundred reasons to smile

Open a new Everyday Account using the campaign code ‘cashback5’ and earn up to $100 cashback◊ on eligible Visa purchases! New Everyday Account holders only.

Open online Learn more

PayTo® puts you in the driver’s seat.

PayTo lets you securely authorise and manage recurring bills, subscriptions, memberships and more from your account.

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Security advice

Your bank will never contact you unexpectedly and request the following:

• Share your password, PIN, customer number, or one-time password
• Transfer money, withdraw, or deposit cash to a third party
• Click a link to grant access to your computer
• Send a courier or staff to pick up money, cards, or details from you.

Never respond if you're contacted unexpectedly and asked for any of the above. Rather call your bank directly or visit your local branch to confirm if it's a legitimate request.

Security & scam advice

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Wave goodbye to waiting

Add your eligible Visa Debit card to the Digital Wallet and tap to pay straight away after opening a new account online. No need to wait for your physical card to arrive.

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Interest rates effective as of 22/04/2025 and are subject to change without prior 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.
^^ Minimum loan size $250,000 with maximum LVR 90% (more than 10% equity) available for owner occupied loans only. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply
**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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.01% 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 1.26% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.
ᴥ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month. All account holders must be under 25 years of age as at the first day of that month to be eligible for a Smart Saver Under 25’s.
*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.
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.
^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions
Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. *For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531  
PayID and PayTo are registered trademarks of NPP Australia Limited.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play, the Google Play logo and YouTube are trademarks of Google LLC.
Cashcards and Business+ Credit Cards are not eligible.
◊Everyday Cashback:  To be eligible for the offer, open a new Everyday Account either online by using the campaign code ‘cashback5’ or in branch and mention this offer.  This offer commences 24 February 2025 and will remain open until withdrawn. All account holders must be aged 14 years and over at the time of account opening and not hold an existing Everyday Account with Newcastle Permanent as at 11.59pm 23 February 2025. 5% Cashback is payable for combined eligible Visa purchases up to $2000 (maximum cashback $100 per customer) made within 45 days of account opening.  Eligible purchases include purchases using a merchant terminal where credit is selected or using tap and go/contactless where the transaction is processed on the Visa network; online purchases via a merchant’s website/app; or scheduled payments using the Visa card details.  If eligible, the account credit/s will be paid into your Everyday Account within 75 days of account opening (account must still be open at time of payment). Maximum cashback amount applies per customer. Cashback is calculated on the Australian dollar amount of eligible purchases (net of any fees). Offer is not available in conjunction with any other offer and is limited to cashback incentive on your first eligible account only. Newcastle Permanent may change or withdraw this offer at any time. Available for NSW residents only.

Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past and present. 

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Taken from 'Reconcile Connection', an artwork commissioned by NGM Group created by Bundjalung woman Tywana Caldwell