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Interest rates effective as of 23/07/2024 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.
***Real Deal Investment At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes 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 for investment purposes 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 for investment purposes 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 2.15% is deducted from the Real Deal Investment Home Loan interest rate.
•Special 2 - For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.50% is deducted from the Real Deal Investment Home Loan interest rate.
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. 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 Wallet, Face ID, Touch ID, Touch Bar, Safari, Apple Watch, iPad, iPhone, iTunes and Mac are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
^^^For a list of compatible Apple Pay devices, see 
Google Pay Terms of Use.
Google, Google Pay and the Google Play logo are trademarks of Google LLC.
Cashcards and Business+ Credit Cards are not eligible.