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Newcastle Permanent

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BSB 650 000

Switch your home loan to us & get $1,500 cashback^

Switch today

On variable home loans of $250,000 or more only. Loan to Valuation Ratio up to 80%. Limited time only.

A great value home loan

3.72
%
P.A.
Premium Plus Package Variable Rate Discount 1 ***
4.10
%
P.A.
Comparison rate *
Enquire today

Discount 1 is available for owner occupied home loans with principal and interest repayments and, at the current time, an LVR of less than 90%.

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Customer-owned banking since 1903

  • Financial strength icon Financial strength Australia’s largest building society~.
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  • Contact us Call 13 19 87

  • Enquiry Make an enquiry

    One of our friendly Financial Advisers will respond to your enquiry within 1 business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    One of our friendly Member Service Officers will respond to your enquiry within 1 business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Home Loan Experts will respond to your enquiry within 1 business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Personal Loan Experts will respond to your enquiry within 1 business day.

    All information is required unless otherwise stated as optional.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Here’s some information for you : 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.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

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Here’s some information for you:
^ Cashback will be deposited to the loan account after the settlement date. Offer available for home loans refinanced from another financial institution. Applications must be submitted by 30/11/18 and funded by 01/02/19. Offer may be varied or withdrawn at any time. Loan to Valuation Ratio 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. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Fees, Charges, Terms and Conditions apply. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Financial Services Licence/Australian Credit Licence 238273.
* 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 based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based 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.
***Discounted interest rates available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rate if: 
•they have a Premium Plus Package Home Loan for an owner occupied home 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 Premium Plus Package Home Loan for an owner occupied home 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 discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
Discount 1 - For loans with an LVR of less than 90%, a discount of 0.73% is deducted from the Tier 4 Premium Plus Package Variable Rate. 
Discount 2 - For loans with an LVR of equal to or greater than 90% and less than 95%, a discount of 0.63% is deducted from the Tier 4 Premium Plus Package Variable Rate.
Terms and conditions, fees and charges apply.
Interest rates effective as of 21/08/2018 and are subject to change without notice.
*Comparison Rate calculated on loan amount of $10,000 for a term of 3 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.
~ Almost $11bn in total assets, 2017 Annual Report.
** Newcastle Permanent Visa Cards are accepted anywhere, where Visa is accepted worldwide.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.