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BSB 650 000

$2,500 cashback for first home buyers^

Find out more

^Owner occupied loans >$250k, principal & interest repayments. Cashback paid to NPBS Everyday Account. T&Cs apply.

Does your home loan rate look like this?

2.79
%
P.A.
Premium Plus Package
2 Year Fixed Rate#
4.02
%
P.A.
Comparison rate*
Find out more

Owner occupied home loans with principal and interest repayments.

Invest with this great
home loan rate

3.17
%
P.A.
2 Year Premium Plus Package Fixed Rate Investment Principal and Interest#
4.36
%
P.A.
Comparison rate *
Find out more

Investor loans, principal and interest repayments only.

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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 one business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    We will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    Home loan enquiry

    Simply provide your contact details below and one of our friendly home loan specialists will get back to you within one business day.

    One of our friendly Personal Loan Experts will respond to your enquiry within one 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.

    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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Interest rates effective as of 18/01/2020 and are subject to change without notice.
^Offer available to first home buyers on new owner occupied home loans with principal and interest repayments. Minimum borrowing $250,000. Applications must be submitted by 30/04/20 and funded by 30/06/20. The $2,500 cashback will be deposited after settlement to a Newcastle Permanent Everyday Account in the same name(s) as the loan. 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. Loan to Valuation Ratio (LVR) less than 95%. 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.
* 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.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to “interest only” on this page refer to loans with interest based repayments, which are calculated slightly differently from traditional interest only repayments – please ask us for further details. 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.
#Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.