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Newcastle Permanent

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BSB 650 000

Forgot your wallet? It’s all good.

Fix it up with a tap of your phone. Not bad.

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Enjoy a great low rate

2.22
%
P.A.
Real Deal - Special 1**
2.26
%
P.A.
Comparison rate*
Enquire now

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.

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The next thing you buy could be on us!**

Each month we are making it rain for 30 lucky customers! Make a $10 - $100 purchase using your Visa Debit card, and you could win the same amount back.

Open an account

**T&Cs apply. Eligible transaction accounts only. Closes 31/12/21.
NSW Authority No. TP/01287

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We're teaming up with HUNTERhunter to find the best Christmas light displays across the Hunter.

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$2,000 cashback for switching your home loan - offer extended^

  • 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 account
Cashback Terms and Conditions.

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Interest rates effective as of 03/12/2021 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 1.63% 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 0.96% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.
*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.
**To enter, have an open Newcastle Permanent Basic Access Account, Everyday Account or Special Monthly Interest Account and use your Visa Debit card to make at least one purchase between $10 and $100 from 17/09/21 to 31/12/21. Prizes are drawn monthly during the Promotion period. No limit on number of entries per person, however you can’t win more than once per month. Terms and Conditions apply for the “This One’s On Us!” Visa Transaction Account Promotion. NSW Authority No. TP/01287
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, 2021 Annual Report.
^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *17/12/21 and funded by 28/02/22. $2,000 Cashback will be deposited after settlement to an eligible NPBS deposit 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.