Compare Home Loan Rates | Newcastle Permanent

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$2,000 cashback for switching your home loan^{^}

$2,000 cashback for new refinanced loans^
Minimum loan $250,000 & LVR ≤80%
For owner occupied and investment home loans
Paid into your Everyday Account

Cashback Terms and Conditions.

Our home loans

Featured

Real Deal Home Loan
Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.

Variable 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 1.26% 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 0.86% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.

2.59

%

p.a

Comparison Rate *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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.

2.63

%

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
Premium Plus Package Fixed Rate
A fixed rate package home loan with additional perks like redraw and discounts on other products.

4 Year Fixed Rate Special
^#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%.

1.99

%

p.a

Comparison Rate *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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.

3.45

%

p.a

4 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
Premium Plus Package Variable Rate
A variable rate package home loan with fee free redraw and a 100% offset account.

Variable Rate
^***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 0.63% 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 0.26% is deducted from the Premium Plus Package Variable Rate Tier 4.
Terms and conditions, fees and charges apply.

2.94

%

p.a

Comparison Rate *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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.

3.34

%

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
Fixed Rate Home Loan
Lock in your repayments with a fixed rate, with options up to 10 years.

2 Year Fixed Rate Special
^##Fixed Rate Home Loan Reverts to the Real Options Home Loan 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%.

2.28

%

p.a

Comparison Rate *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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.

3.94

%

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

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Calculators and tools

We have a range of easy to use calculators to help you determine monthly repayments and how much you could borrow.

Select a calculator

What will my repayments be?

Loan amount

$

Loan term

years

Weekly
Fortnightly
Monthly

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Pay off your loan faster
Extra monthly repayments

$
- New term
- Interest saved
- $0

Payment Breakdown

Year	Owing

How much can I borrow?

Loan term

years

Number of applicants

Single Joint

Number of dependants

0 1 2 3 4 5+

Income (before tax)

Applicant 1

Base salary Please enter amount before tax not including any bonuses.

$

Other salary-related income Other income related to salary including overtime and commissions. Casual salary should also be entered here.

$

Investment income e.g. rental income

Investment rental income

$

Other investment income

$

Other income

Family tax benefits

$

Pensions

$

Child support / maintenance

$

Applicant 2

Base salary Please enter amount before tax not including any bonuses.

$

Other salary-related income Other income related to salary including overtime and commissions. Casual salary should also be entered here.

$

Investment income e.g. rental income

Investment rental income

$

Other investment income

$

Other income

Family tax benefits

$

Pensions

$

Child support / maintenance

$

Expenses

Home loan repayments

$

Other loan repayments

$

Bills and living expenses

$

Total credit card / store card limit The amount required here is the total credit limit of all your credit cards and store cards. It is not the sum of your balances or your required monthly repayments.

$

Will you continue to pay rent after you get this loan?

Rental expenses

$

Calculate Recalculate

You could borrow up to
$0
How much can I borrow based on preferred repayments?
Loan term

years

Preferred monthly repayments

$
You could borrow up to
$0

The calculator results are indicative only and are based on the accuracy of information provided by you. The calculator results have been prepared without taking into account your personal circumstances. The interest rates shown in this calculator are for Owner Occupied loans with Principal and Interest repayments. We recommend you obtain professional financial and legal advice before making any financial decision. The calculator results are estimates only and do not constitute a quote or loan offer. Weekly loan repayments are based on 52 weekly repayments. Fortnightly loan repayments are based on 26 fortnightly repayments. The repayment amounts do not include Society fees and Government charges that may apply to this type of loan.

Popular home loans

Real Deal Home Loan	Interest Rate	Comparison Rate*
Discounted Real Deal^	3.60%p.a.	3.82%p.a.
Real Deal	3.85%p.a.	3.89%p.a.

Real Deal Home Loan - Special**	Interest Rate	Comparison Rate*
Real Deal - Special 1**	2.59%p.a.	2.63%p.a.
Real Deal - Special 2	2.99%p.a.	3.03%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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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 26/01/2021 and are subject to change without 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 1.26% 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 0.86% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.

***Real Deal Investment At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000 and a Loan to Value Ratio (LVR) of less than or equal to 80%. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
•They have a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings and have a Loan to Value Ratio (LVR) of less than or equal to 80%; or
•They convert an existing Newcastle Permanent loan to a Real Deal Home Loan for investment purposes 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. Terms and conditions, fees, charges and credit criteria apply

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Premium Plus Package Fixed Rate Home Loan^#	Interest Rate	Comparison Rate*
1 Year Premium Plus Package Fixed Rate - Special~	1.98%p.a.	3.81%p.a.
1 Year Premium Plus Package Fixed Rate	2.28%p.a.	3.84%p.a.
2 Year Premium Plus Package Fixed Rate - Special~	2.18%p.a.	3.72%p.a.
2 Year Premium Plus Package Fixed Rate	2.48%p.a.	3.77%p.a.
3 Year Premium Plus Package Fixed Rate - Special~	2.18%p.a.	3.61%p.a.
3 Year Premium Plus Package Fixed Rate	2.48%p.a.	3.68%p.a.
4 Year Premium Plus Package Fixed Rate - Special~	1.99%p.a.	3.45%p.a.
4 Year Premium Plus Package Fixed Rate	2.29%p.a.	3.54%p.a.
5 Year Premium Plus Package Fixed Rate - Special~	2.19%p.a.	3.42%p.a.
5 Year Premium Plus Package Fixed Rate	2.49%p.a.	3.53%p.a.
7 Year Premium Plus Package Fixed Rate - Special~	3.99%p.a.	4.18%p.a.
7 Year Premium Plus Package Fixed Rate	4.09%p.a.	4.23%p.a.
10 Year Premium Plus Package Fixed Rate - Special~	3.99%p.a.	4.24%p.a.
10 Year Premium Plus Package Fixed Rate	4.09%p.a.	4.31%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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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 26/01/2021 and are subject to change without 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 Owner Occupied Specials***	Interest Rate	Comparison Rate*
Premium Plus Package - Discount 1	2.94%p.a.	3.34%p.a.
Premium Plus Package - Discount 2	3.31%p.a.	3.70%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 0.63% 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 0.26% 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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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 26/01/2021 and are subject to change without notice.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Fixed Rate Home Loan^##	Interest Rate	Comparison Rate*
1 Year Fixed Rate - Special~	2.08%p.a.	4.09%p.a.
1 Year Fixed Rate	2.38%p.a.	4.11%p.a.
2 Year Fixed Rate - Special~	2.28%p.a.	3.94%p.a.
2 Year Fixed Rate	2.58%p.a.	3.99%p.a.
3 Year Fixed Rate - Special~	2.28%p.a.	3.78%p.a.
3 Year Fixed Rate	2.58%p.a.	3.86%p.a.
4 Year Fixed Rate - Special~	2.09%p.a.	3.57%p.a.
4 Year Fixed Rate	2.39%p.a.	3.67%p.a.
5 Year Fixed Rate - Special~	2.29%p.a.	3.50%p.a.
5 Year Fixed Rate	2.59%p.a.	3.62%p.a.
7 Year Fixed Rate - Special~	4.09%p.a.	4.20%p.a.
7 Year Fixed Rate	4.19%p.a.	4.26%p.a.
10 Year Fixed Rate - Special~	4.09%p.a.	4.18%p.a.
10 Year Fixed Rate	4.19%p.a.	4.25%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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.

^~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

Interest rates effective as of 26/01/2021 and are subject to change without notice.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

View all home loan interest rates.

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Interest rates effective as of 26/01/2021 and are subject to change without 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 1.26% 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 0.86% 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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.

^#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 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 0.63% 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 0.26% is deducted from the Premium Plus Package Variable Rate Tier 4.
Terms and conditions, fees and charges apply.

^##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.

^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *28/02/21 and funded by 30/04/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday Account. Only one (1) Cashback Payment per eligible loan. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Terms and conditions.

A home loan rate that starts with a one...

$2,000 cashback for switching your home loan^{^}

What are you looking to do?

$2,000 cashback for switching your home loan^{^}

Our home loans

Real Deal Home Loan

Premium Plus Package Fixed Rate

Premium Plus Package Variable Rate

Fixed Rate Home Loan

Buying before selling?

Calculators and tools

Borrowing and repayment calculators

Select a calculator

What will my repayments be?

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Extra monthly repayments

$0

How much can I borrow?

Income (before tax)

Applicant 1

Investment income e.g. rental income

Other income

Applicant 2

Investment income e.g. rental income

Other income

Expenses

Will you continue to pay rent after you get this loan?

You could borrow up to

How much can I borrow based on preferred repayments?

You could borrow up to

Featured interest rates

Popular home loans

Tips on saving through to settlement

Download our banking app

A home loan rate that starts with a one...

$2,000 cashback for switching your home loan^

What are you looking to do?

$2,000 cashback for switching your home loan^

Our home loans

Real Deal Home Loan

Premium Plus Package Fixed Rate

Premium Plus Package Variable Rate

Fixed Rate Home Loan

Buying before selling?

Calculators and tools

Borrowing and repayment calculators

Select a calculator

What will my repayments be?

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Extra monthly repayments

$0

How much can I borrow?

Income (before tax)

Applicant 1

Investment income e.g. rental income

Other income

Applicant 2

Investment income e.g. rental income

Other income

Expenses

Will you continue to pay rent after you get this loan?

You could borrow up to

How much can I borrow based on preferred repayments?

You could borrow up to

Featured interest rates

Popular home loans

Tips on saving through to settlement

Connect with us

Download our banking app

$2,000 cashback for switching your home loan^{^}

$2,000 cashback for switching your home loan^{^}