Savings to feel good about

5.00

P.A.

Online Savings Account
1% p.a. Standard Rate + 4% p.a. Introductory Bonus Rate Offer^#

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^#Terms and Conditions apply.

Enjoy a great low rate

5.84

P.A.

Real Deal - Special 1**

5.88

P.A.

Comparison rate*

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Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%. Minimum balance $150,000.

Save your way with flexible Term Deposit options

4.80

P.A.

Interest paid at maturity 12 months

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Insure with Newcastle Permanent and enjoy the rewards!

Take out Home, Landlord or Comprehensive Motor Insurance and get a $150 eGift card.^◊

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^◊Insurance issued by Allianz Australia Insurance Ltd. PDS and TMD available. T&Cs apply

Banking to suit your needs

Effortless online refinancing

Our online application makes applying straightforward, so make a cuppa and get comfy. The process is a whole lot simpler.

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Your paperwork made easy

All your admin done with the click of a button.
Get going in 15mins

Complete your application online and save precious time.
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Need help? Use webchat to talk to a local lending specialist.

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Cashback Terms and Conditions.
Bonus Cashback Terms and Conditions.

Together, the Charitable Foundation and We Care Connect can help change the cycle of poverty and provide the every day essentials that families deserve.

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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.

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Interest rates effective as of 10/07/2023 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 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 special interest rate is determined by reference to the applicable 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 1.61% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.

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.

^◊$150 eGift card will be issued for each new Home or Landlord (including building cover) or Comprehensive Motor Insurance policy taken out through Newcastle Permanent between 13/06/2023 and 30/07/2023. The eGiftcard will be issued by True Rewards Pty Ltd (ABN 80 632 364 759) on behalf of Newcastle Permanent. Newcastle Permanent may withdraw or amend this offer at any time without notice. See the full terms and conditions, including eligibility criteria.

^#The Online Savings Account Standard Rate is variable and subject to change without prior notice; however, the Introductory Bonus Rate offer is a fixed rate that won’t change during the period it applies to your account. The Introductory Bonus Rate applies for the first 3 months after the account is opened, on top of the Standard Rate. At the end of the 3-month Introductory Bonus Rate period only the Standard Rate will continue to apply. The Introductory Bonus Rate is available on a new Online Savings Account if you and all other account owners have not been eligible to receive the Introductory Bonus Rate on any other Online Savings Account in the previous 6-months. To be eligible to receive any interest inclusive of the Introductory Bonus Rate or Standard Rate, all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent.

^Cashback Offers available for home loans refinanced from another financial institution. Customers refinancing from Greater Bank are not eligible for the Offers. $2,000 cashback for loans ≥$250,000; plus $1,000 bonus cashback for loans ≥$500,000. Applications must be submitted by 31/07/2023 and funded by 30/09/2023. Applicable cashback amount will be deposited after loan settlement to an eligible Newcastle Permanent deposit account. Only one (1) Cashback Payment and, if applicable, additional Bonus Cashback Payment, per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offers may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions and Bonus 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 https://support.apple.com/en-au/HT208531

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.

Newcastle Permanent

Savings to feel good about

Enjoy a great low rate

Save your way with flexible Term Deposit options