Real Options Home Loan

Our Real Options Home Loan offers a competitive variable interest rate. Plus there are no extras such as monthly or annual account keeping fees.

  Rate Comparison Rate ~
Real Options Home Loan 5.10%p.a. 5.14%p.a.

Product Features

  • No ongoing fees
  • Make additional repayments at any time
  • Can split with other Newcastle Permanent loans

Home Loan Key Facts Sheets

When choosing a home loan, it's important to work out what you want from your loan and how much it will cost you. Key Facts Sheets present information about our home loans in a standardised format and have been designed to make comparing home loans easier. You can generate a Key Facts Sheet based on your preferred loan amount, terms and interest type.

Here's some more information for you:
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.
~ The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. A Comparison Rate Schedule is available at any Newcastle Permanent branch or can be downloaded from our website at 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.
Interest rates effective as of 25/11/2015 and are subject to change without notice.

Home Loan facts at a glance

Effective: 25/11/2015
About the loan A competitive variable rate home loan and features such as a redraw facility, additional repayments and the choice of either principal and interest or interest only repayments for up to 5 years are all part of the package.
Current variable rate Real Options variable rate
Comparison rate Comparison rate
Establishment fee $0 Application Fee - Owner Occupied Home Loan
$550 Application Fee - Investment Home Loan
Ongoing account keeping fees Nil.
Maximum amount you can borrow

Up to 95% of the value of the property.

Maximum loan term 30 years.
Repayment frequencies Monthly, fortnightly or weekly.
Repayment options Principal and interest repayments or you may prefer to make interest only repayments for up to 5 years.
Split loan You can combine this loan with other Newcastle Permanent loan products including: Real Deal Variable Home Loan, Fixed Rate Home Loan, Real Equity Credit Facility, Introductory Discounted Variable Rate Home Loan or Premium Plus Package.
Additional repayments Yes. You can make either regular additional repayments or extra lump sum payments.
Mortgage repayment holiday Yes. As long as there are enough additional funds in the loan account to meet the regular repayments. Talk to your local Mobile Lender to find out more.
Redraws Yes. Available on application. No minimum redraw amount and you can redraw all amounts in advance. A fee applies to each redraw.
Interest Offset Yes. Everyday Account with partial interest offset is available. Terms and conditions for personal accounts are available on request
Portability Yes. You can keep the same loan when it comes time to sell your existing property and purchase a new one.
Terms and Conditions are available on request.
* Offer available for a limited time.


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