Osko and PayID have arrived! Through your Newcastle Permanent Internet Banking and Mobile Banking App, you can now pay and get paid in a matter of minutes. Visit our Osko page for more information on how to use Osko.

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Whether you want a variable or fixed rate home loan, a credit facility or the freedom to split your loan, we have a home loan to suit you.

Award-winning home loans

Is it time for your own home?

The Family Guarantee could help get you into your home sooner than you thought!

Terms and Conditions apply

Tools and Calculators

Here’s some information for you:
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 – 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 25/02/2018 and are subject to change without notice.
***Discounted interest rates 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 borrowers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000, for an owner occupied home loan with principal & interest repayments. The discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR) as follows:
Discount 1 - For loans with an LVR of less than 80%, a discount of 0.73% is deducted from the Tier 4 Premium Plus Package Variable Rate
Discount 2 - For loans with an LVR of 80% and up to less than 90%, a discount of 0.53% is deducted from the Tier 4 Premium Plus Package Variable Rate
Terms and conditions, fees and charges apply.