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Looking for the right home loan?

Fixed Rate Home Loan

Enjoy the certainty of knowing exactly what your repayments will be, with competitive fixed rates available from 1 to 10 years. You can even transfer up to $25,000/year in additional repayments towards your home loan, saving you money.

The Fixed Rate Home Loan offers is built on great value, features and benefits and no ongoing fees. Perfect for first homebuyers.


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Family Guarantee

Get in the market sooner with a little help from your parents.

The Family Guarantee uses your parents house as security to enable you to buy your dream home. Using a family guarantee helps you enter the home buying market sooner by saving you money up front by potentially reducing the amount of deposit needed and lenders mortgage insurance. Importantly you remain responsible for maintaining the loan ongoing by meeting repayments.

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Premium Plus Package Variable Rate

The Premium Plus Package Home Loan offers you an extensive banking package, competitive interest rate and a 100% offset account, allowing you to use your savings to reduce the amount of interest you pay (and potentially pay off your loan sooner!). 

Also take advantage of our package benefits: 

  • Multiple linked 100% offset accounts
  • Unlimited fee free redraws
  • The ability to split your loan
  • $0 annual Value+ Credit card fee

Enjoy a discounted loan rate if your loan to value ratio is less than 90%, as well as discounts on insurance and banking.

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Real Deal Home Loan

The Real Deal Home Loan offers great value, features and benefits, all with a competitive rate and no ongoing fees. 

Enjoy features such as:

  • The ability to split your loan
  • Unlimited additional repayments
  • Redraw and more.
Get the real deal

Real Deal Home Loan

The Real Deal Home Loan offers great value, features and benefits, all with a competitive rate and no ongoing fees.

Enjoy features such as:

  • The ability to split your loan
  • Unlimited additional repayments
  • Redraw and more.

Find out more

Premium Plus Package Variable Rate

The Premium Plus Package Home Loan offers you an extensive banking package, competitive interest rate and a 100% offset account, allowing you to use your savings to reduce the amount of interest you pay (and potentially pay off your loan sooner!).

Also take advantage of our package benefits:

  • Multiple linked 100% offset accounts
  • Unlimited fee free redraws
  • The ability to split your loan
  • $0 annual Value+ Credit card fee.

Enjoy a discounted loan rate if your loan to value ratio is less than 90%, as well as discounts on insurance and banking.



Find out more

Premium Plus Package Fixed Rate

Enjoy the certainty of knowing exactly what your repayments will be, with competitive fixed rates available from 1 to 10 years. You can even transfer up to $25,000/year in additional repayments towards your home loan, saving you money. With unlimited fee free redraws, you can access additional repayments easily when you need to.

Also take advantage of our package benefits:
  • The ability to split your loan 
  • $0 annual Value+ Credit card fee
  • Discounts on insurance and banking

Find out more

Real Deal Home Loan

The Real Deal Home Loan offers great value, features and benefits, all with a competitive rate and no ongoing fees. 

Enjoy features such as:

  • The ability to split your loan
  • Unlimited additional repayments
  • Redraw and more.
Find out more

Premium Plus Package Variable Rate

The Premium Plus Package Home Loan offers you an extensive banking package, competitive interest rate and a 100% offset account, allowing you to use your savings to reduce the amount of interest you pay (and potentially pay off your loan sooner!).

Also take advantage of our package benefits:
  • Multiple linked 100% offset accounts 
  • Unlimited fee free redraws
  • The ability to split your loan
  • $0 annual Value+ Credit card fee.

Enjoy a discounted loan rate if your loan to value ratio is less than 90%, as well as discounts on insurance and banking.


Find out more

Premium Plus Package Fixed Rate

Enjoy the certainty of knowing exactly what your repayments will be, with competitive fixed rates available from 1 to 10 years. 
You can even transfer up to $25,000/year in additional repayments towards your home loan, saving you money. With unlimited fee free redraws, you can access additional repayments easily when you need to.

Also take advantage of our package benefits:

  • The ability to split your loan 
  • $0 annual Value+ Credit card fee
  • Discounts on insurance and banking.

Find out more

Our home loans

Award winning home loans

  • First home buyer First Home Buyer Loan
  • Fixed rate home loan Fixed Rate Home Loan
  • Investor home loan Investor Home Loan
  • Investor fixed home loan Investor Fixed Home Loan
  • Canstar home loan Home Loan Outstanding Value
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.
Interest rates effective as of 17/08/2019 and are subject to change without notice.
** 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 90%, a discount of 0.91% is deducted from the Real Deal Home Loan interest rate.
  • Special 2 – For loans with an LVR of equal to or greater than 90%, and less than 95%, a discount of 0.64% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees and charges apply.