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See how much you could save with one of our award-winning home loans!

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Newcastle Permanent

Kick start your back to school savings

Open a Smart Saver Account for your child before 9 February and we'll pop in $10**.

Here’s some information for you:
*** When making a purchase with your Newcastle Permanent Visa card processed through the Visa network. Excludes Business+ Credit Cards. Competition opens 01/12/2019 and closes 29/02/2020. Transactions must be undertaken during that period to qualify. Major Prize Draw: Each twenty (20) eligible qualifying transactions undertaken will give the account owner one (1) entry into the draw. Maximum 20 entries per customer. Prize will be drawn 11/03/2020. Minor Prize Draws: Each eligible qualifying transaction undertaken will give the account owner one (1) entry into the draw. Prizes will be drawn 06/01/2020, 10/02/2020 and 09/03/2020. Terms and Conditions apply and are available at or on request from Newcastle Permanent Building Society Limited ACN 087 651 992 Australian Credit Licence /AFSL 238273. NSW Permit No. LTPS/19/40273 
Interest rates effective as of 28/01/2020 and are subject to change without notice.
#Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period.
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.
* 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.
**Offer available for new Smart Saver Accounts opened by a parent or guardian on behalf of a child under 16 years of age. Account must be opened by 9 February 2020. Offer may be redeemed only once per child and will be deposited to the Account by the end of the month in which the Account was opened. 'Herbie' money box available while stocks last. Offer may be varied or withdrawn at any time. For important information about this offer and our Smart Saver Account visit Product Terms and Conditions apply. The Canstar 2019 Customer Owned Institution of the Year award was received in September 2019 for the Youth Banking category. The Mozo Experts Choice Deposit Award 2019 was awarded in February 2019 to the Smart Saver Account (Under 25) for the Pocket Money Regular Saver category. This information has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on this information, you should consider its appropriateness having regard to these matters and the product Terms and Conditions.
^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.