$20 growth spurt for your kid

Open a new Smart Saver Account for a child under 14 years using the promotional code ‘kids20’ and we’ll start their savings off in style with $20.

Open in 10 mins

Account must be opened by 30 June 2022. New customers <14 only. T&Cs apply^¶.

$50 just to try us!

Get your pineapple by opening a new Everyday Account using the campaign code ‘bonus50’ and make at least one card purchase within 30 days.

Open in 5 mins

Account must be opened by 30 June 2022. New customers 14+ only. T&Cs apply****.

Up to $3,000 Cashback when you switch your
home loan!^

Refinance customers only.
$2,000 cashback for loans ≥$250K; bonus
$1,000 cashback for loans ≥$500K; LVR ≤90%.

Apply now

^Terms and Conditions apply.

Enjoy a great low rate

2.37

P.A.

Real Deal - Special 1**

2.41

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.

Banking to suit your needs

Up to $3,000 cashback for switching your home loan^{^}

$2,000 cashback for refinanced loans ≥ $250,000
Plus a bonus $1,000 cashback for refinanced loans ≥$500,000
For owner-occupied and investment home loans,
LVR ≤90%
Paid into your
Newcastle Permanent account

Cashback Terms and Conditions.
Bonus Cashback Terms and Conditions.

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Interest rates effective as of 23/05/2022 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 1.73% 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 1.43% 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.

^#The next thing you buy could be on us: 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 30/06/22. 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 Offers available for home loans refinanced from another financial institution. $2,000 cashback for loans ≥$250,000; bonus $1,000 cashback for loans ≥$500,000. Applications must be submitted by 30/06/2022 and funded by 31/08/2022. 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.

^¶$20 Smart Saver Offer: To be eligible, open a new Smart Saver Account for a child, either online using the campaign code ‘kids20’ or in branch and mention this offer; between 26/04/2022 and 30/06/2022. The child must be under 14 years of age at the time of account opening and a new customer to Newcastle Permanent, which means they did not hold any accounts as at 23:59 AEST 25/04/2022. If eligible, the $20 bonus will be paid into the child’s account by the end of the next month after the account was opened (account must still be open at this time). Offer is not available in conjunction with any other offer and is limited to one payment per account and to the child’s first eligible account only. Newcastle Permanent may change or withdraw this Bonus Offer at any time.

****$50 Bonus Offer: To be eligible for the offer, open a new Everyday Account either online by using the campaign code ‘bonus50’ or in branch and mention this offer; between 05/04/2022 and 30/06/2022 and make at least one card purchase on the account within 30 days of opening. All account holders must be aged 14 and over at the time of account opening and a new customer to Newcastle Permanent, which means you did not hold any accounts as at 23:59 AEST 04/04/2022. A card purchase is a point of sale or online purchase via a merchant only. If eligible, the $50 bonus will be paid into your Everyday Account by the end of the next month after you become eligible (account must still be open at time of payment). Offer is not available in conjunction with any other offer and is limited to one payment per account and to your first eligible account only. Newcastle Permanent may change or withdraw this Bonus Offer at any time.

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.