We will never contact you unexpectedly and ask for your account information. Find more info on how to spot a scam here.

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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.

  • 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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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.

Interest rates effective as of 15/04/2024 and are subject to change without prior notice.
*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.
**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 2.06% 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 1.41% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.
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.
#The Online Savings Account Standard Rate is variable and subject to change without prior notice; however, the Introductory Bonus Rate offer is a fixed rate that won’t change during the period it applies to your account. The Introductory Bonus Rate applies for the first 3 months after the account is opened, on top of the Standard Rate. At the end of the 3-month Introductory Bonus Rate period only the Standard Rate will continue to apply. The Introductory Bonus Rate is available on a new Online Savings Account if you and all other account owners have not been eligible to receive the Introductory Bonus Rate on any other Online Savings Account in the previous 6-months. To be eligible to receive any interest inclusive of the Introductory Bonus Rate or Standard Rate, all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent.
^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.
ΔNo transaction fees apply for a successful cash withdrawal or account balance query using your Newcastle Permanent Visa debit card at any Newcastle Permanent, Greater Bank, ANZ, NAB, Commonwealth Bank or Westpac ATM across Australia.