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BSB 650 000

Click to cash-in

Give paperwork the flick and $2,000 cashback^ the tick when you refinance your home loan online.

Apply online Find out more

^T&Cs and eligibility criteria apply.

2,000 reasons to refinance online

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

Apply now Find out more
Online Refi Cashback Offer Terms and Conditions
  • tick in green circle
    $2,000 cashback^
    By simply refinancing with us online through our Digital Home Loan application.
  • tick in green circle
    Go with the pros
    Our expert lenders have got you covered every step of the way.
  • 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.

Find a loan to match your home

  • Featured

    Real Deal Home Loan

    Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.
    6.04
    %
    p.a
    6.08
    %
    p.a
    Real Deal - Special 1. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		No
    		Yes
    		Yes
    		No
    		Yes

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    5.99
    %
    p.a
    7.76
    %
    p.a
    2 Year Special. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		No
    		Yes
    		Yes
    		Yes
    		Yes

  • Premium Plus Package Variable Rate

    A variable rate package home loan with fee free redraw and a 100% offset account.
    6.13
    %
    p.a
    6.47
    %
    p.a
    Special Discount 1. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		Yes
    		Yes
    		Yes
    		Yes
    		Yes

  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 5 years.
    6.09
    %
    p.a
    8.04
    %
    p.a
    2 Year Special. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		No
    		No
    		Yes
    		No
    		Yes

Home loans with a personal touch

Tap into the resource of your local lender. Get expert advice based on your unique circumstances while securing a great rate at an award-winning bank.

Your friendly lender is available in person or over the phone. Make your appointment today.


Find your local lender

Helping you into your home sooner

The Home Guarantee Scheme (HGS) is an Australian Government initiative supporting eligible home buyers to purchase a home sooner, through a national annual allocation of places under three separate Guarantees.

As of 1 July 2023, the Scheme’s expanded eligibility criteria now supports even more Australian permanent residents, combinations of joint home buyers, and even those who’ve previously owned property but haven’t done so for the past 10 years, to buy a home sooner.

If you're eligible to participate in the HGS, we'll work with you throughout your loan application to secure a place under the relevant Guarantee.

  • First Home Guarantee

    The First Home Guarantee (FHBG) is part of the Home Guarantee Scheme.

    The purpose of the First Home Guarantee (FHBG) is to support eligible home buyers to enter the housing market sooner. Eligible home buyers may qualify with as little as 5% deposit. It’s made possible by allowing Housing Australia to issue 35,000 guarantees each financial year for eligible home loans.

    For more information about FHBG and the eligibility criteria:

  • Family Home Guarantee

    The Family Home Guarantee (FHG) is part of the Home Guarantee Scheme.

    The purpose of the Family Home Guarantee (FHG) is to support eligible single parents and eligible single legal guardians of at least one dependent to buy a home, with as little as 2% deposit. Applicants can include those who aren’t first home buyers. The FHG is made possible by allowing Housing Australia to issue 5,000 guarantees each financial year for eligible home loans.

    For more information about FHG and the eligibility criteria:

  • Regional First Home Buyer Guarantee

    The Regional First Home Buyer Guarantee (RFHBG) is part of the Home Guarantee Scheme.

    The purpose of the Regional First Home Buyer Guarantee (RFHBG) is to help eligible regional home buyers to buy a modest home in regional areas, with as little as 5% deposit. Eligible regional first home buyers (or at least one applicant if applying as joint applicants) can purchase in the regional area they’ve been living in, or an adjacent regional area, for the previous 12 months. The RFHBG is made possible by allowing Housing Australia to issue 10,000 guarantees each financial year for eligible home loans.

    For more information about RFHBG and the eligibility criteria:

Lock in our great fixed rate

Like the look of one of our great fixed rates and want to lock it in when you apply for a home loan?

Our Rate Lock option allows you to lock in our current advertised rate, protecting you for 90 days against potential interest rate increases while you work toward settling your loan, helping to make your home buying journey just that little bit easier.

How Rate Lock works Talk to a local lender

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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Calculators and tools

  • Why Premium Plus Package

    Features

    The Premium Plus home loan packages offer a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus package product.
    Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

    Optional benefits

    You can maximise your Premium Plus Package and apply for a range of additional benefits:

    Give our friendly staff a call on 13 19 87 or visit your local branch to take advantage of these options.

    Eligibility

    You are eligible to receive these benefits if you have a:

     

    Important information about Premium Plus Package
    A $395 annual Premium Plus Package fee applies. Package benefits for a product or service described above are only available where the product is in the same name as the package holder, and only available while you hold an active Premium Plus Package.
    Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

     

    Newcastle Permanent, a part of Newcastle Greater Mutual Group Ltd, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details or see our Financial Services Guide before we provide you with services.
    Premium Plus Package Customers are eligible for an ongoing premium discount when purchasing a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount, each of them is applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

  • Calculators

    Home loan repayment calculator

  • Featured rates

    Popular home loans
    Discounted Real Deal^ 7.85%p.a. 8.07%p.a.
    Real Deal 8.10%p.a. 8.15%p.a.
    Real Deal - Special 1 6.04%p.a. 6.08%p.a.
    Real Deal - Special 2 6.69%p.a. 6.73%p.a.
    ^ 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Only repayments). Rate reverts to Real Deal variable interest rate at end of 3 year discount period. Offer available for new mortgage owner occupied home loan applications. Terms and Conditions 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.
    Interest rates effective as of 05/12/2023 and are subject to change without prior notice.
    **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.
    1 Year Premium Plus Package Fixed Rate - Special~ 6.29%p.a. 7.97%p.a.
    1 Year Premium Plus Package Fixed Rate 6.39%p.a. 7.98%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.76%p.a.
    2 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.78%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.59%p.a.
    3 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.62%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 6.09%p.a. 7.48%p.a.
    4 Year Premium Plus Package Fixed Rate 6.19%p.a. 7.52%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 6.09%p.a. 7.36%p.a.
    5 Year Premium Plus Package Fixed Rate 6.19%p.a. 7.40%p.a.
    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.
    *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.
    Interest rates effective as of 05/12/2023 and are subject to change without prior notice.
    #Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    Premium Plus Package - Discount 1 6.13%p.a. 6.47%p.a.
    Premium Plus Package - Discount 2 6.90%p.a. 7.23%p.a.
    ***Premium Plus Package Variable Rate Discounted interest rates are available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rate if: 
    •they have a Premium Plus Package Home Loan for an owner occupied home 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 Premium Plus Package Home Loan for an owner occupied home 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 discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
    •Discount 1 - For loans with an LVR of less than or equal to 80%, a discount of 1.69% is deducted from the Premium Plus Package Variable Rate Tier 4.
    •Discount 2 - For loans with an LVR of greater than 80% and less than 95%, a discount of 0.92% is deducted from the Premium Plus Package Variable Rate Tier 4.
    Terms and conditions, fees and charges 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.
    Interest rates effective as of 05/12/2023 and are subject to change without prior notice.
    1 Year Fixed Rate - Special~ 6.39%p.a. 8.31%p.a.
    1 Year Fixed Rate 6.49%p.a. 8.32%p.a.
    2 Year Fixed Rate - Special~ 6.09%p.a. 8.04%p.a.
    2 Year Fixed Rate 6.19%p.a. 8.06%p.a.
    3 Year Fixed Rate - Special~ 6.09%p.a. 7.82%p.a.
    3 Year Fixed Rate 6.19%p.a. 7.85%p.a.
    4 Year Fixed Rate - Special~ 6.19%p.a. 7.66%p.a.
    4 Year Fixed Rate 6.29%p.a. 7.70%p.a.
    5 Year Fixed Rate - Special~ 6.19%p.a. 7.50%p.a.
    5 Year Fixed Rate 6.29%p.a. 7.54%p.a.
    ##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.
    *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.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    Interest rates effective as of 05/12/2023 and are subject to change without prior notice.

    View all home loan interest rates.

  • Find a lender

    Local lender

    Let us come to you! Find a local lending specialist in your area.

    Available over the phone or in person, you can get the loan expertise you need without leaving your house.

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Save up to 10%

Save up to 10% discount on your first year's premium when you quote and buy a new policy online.~~@&

Get a quote

~~@&Terms and Conditions apply.

Tips on saving through to settlement

Interest rates effective as of 05/12/2023 and are subject to change without prior notice.
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.
**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.
*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.
~~Save up to 10%: When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn't applied on renewal. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz's standard rates, excluding optional covers, and are for the first year's premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
&Minimum Premiums: If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
^Online Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $2,000 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.
♦Award is based on information collected from the DBM Atlas research program – feedback from over 80,000 business owners or retail customers January 2022 through December 2022. Award results are based on experiences and perceptions of customers surveyed in this period. For DBM Atlas and DBM Australian Financial Awards information, visit dbmconsultants.com.au.

Our BSB 650 000

©2023 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.