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BSB 650 000

Funding round now open

Newcastle Permanent Charitable Foundation is now open for eligible organisations with life changing initiatives that will rewrite the future for people across regional NSW.

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Click to cash-in

Give paperwork the flick and $3,000 cashback^ the tick when you refinance your home loan online.

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^T&Cs and eligibility criteria apply.

Invest with the best

6.19
%
P.A.
Real Deal Home Loan Investment Special 1***
6.23
%
P.A.
Comparison rate *
Apply Online Find out more

Investment loans with principal & interest repayments. LVR ≤80%. Min new or increased borrowings of $150k.

Pack your picnics

We're bringing an evening of minion madness and family fun to an area near you!

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3,000 reasons to refinance online

Save precious time and money by refinancing your home loan online. We’ll take care of the rest.

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Online Refi Cashback Offer Terms and Conditions
  • tick in green circle
    $3,000 cashback^
    By simply refinancing with us online.
  • tick in green circle
    Save money and time
    Get your application underway in just 15 minutes.
  • tick in green circle
    Give paperwork the flick
    Less life admin means more time for the stuff that matters.
  • tick in green circle
    Go with the pros
    We've got you covered every step of the way.

Wave goodbye to waiting

Add your eligible Visa Debit card to the Digital Wallet and tap to pay straight away after opening a new account online. No need to wait for your physical card to arrive.

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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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Security advice

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 16/04/2024 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 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 2.25% 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 1.61% is deducted from the Real Deal Investment Home Loan interest rate.
ᴥ Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $10 higher than the opening balance on the first day of that month (excluding any amounts of interest earned on the account in that month) and no more than 2 withdrawals have been made from the account during that month. All account holders must be under 25 years of age as at the last day of that month to be eligible for this interest rate.
*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 Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $3,000 cashback for loans ≥$250,000 and LVR ≤80%. Applications must be submitted through Newcastle Permanent’s online application channel. If eligible, cashback payment will be made after loan settlement to an eligible Newcastle Permanent deposit product. Only one (1) Online Refi Cashback per eligible loan, and for first eligible loan only. Not available in conjunction with any other Newcastle Permanent promotional payment. Offer may be varied or withdrawn at any time. See the full Online Refi 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.

Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past, present and emerging.

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Authenticity, is an artwork commissioned by Newcastle Permanent created by Wiradjuri woman and artist Maree Bisby.