Compare Home Loan Rates | Newcastle Permanent

Most popular home loans

Real Deal Home Loan One of our best rates, includes redraw, partial mortgage offset and allows additional repayments.
Premium Plus Package Fixed A fixed rate package home loan with many additional perks like redraw and discounts on other products.
Premium Plus Package Variable A variable rate package home loan with fee free redraw and a 100% offset account.
Fixed Rate Home Loan Lock in your repayments with a fixed rate, with options up to 10 years.

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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.

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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

Here’s some information for you:

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**	2.72%p.a.	2.76%p.a.
Real Deal - Special 2	3.09%p.a.	3.13%p.a.

*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 08/07/2020 and are subject to change without notice.

^{^} 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Based 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.

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

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 Investment Special~~	Interest Rate	Comparison Rate*
Premium Plus Package Investment - Discount 1	3.26%p.a.	3.66%p.a.

*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 08/07/2020 and are subject to change without notice.

^***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.

~~Discounted interest rates are available for new borrowers applying for a Premium Plus Package Variable 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% a discount of 0.65% will be deducted from the Premium Plus Package Variable Rate Tier 4 Investment. Existing Newcastle Permanent customers are also eligible to receive the discounted interest rate if:
o they have a Premium Plus Package Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings and the Premium Plus Package Home Loan has an LVR of less than or equal to 80%; or
o they convert an existing Newcastle Permanent loan to a Premium Plus Package Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings, and the Premium Plus Package Home Loan has an LVR of less than 80%.Converted borrowings do not constitute new borrowings. Terms and conditions, fees and charges apply.

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

Premium Variable Home Loan	Interest Rate	Comparison Rate*
Premium Variable	4.47%p.a.	4.47%p.a.

*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 08/07/2020 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.

Premium Plus Package Fixed Rate Home Loan^#	Interest Rate	Comparison Rate*
1 Year Premium Plus Package Fixed Rate - Special~	2.18%p.a.	3.83%p.a.
1 Year Premium Plus Package Fixed Rate	2.39%p.a.	3.85%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	2.44%p.a.	3.76%p.a.
3 Year Premium Plus Package Fixed Rate - Special~	2.39%p.a.	3.66%p.a.
3 Year Premium Plus Package Fixed Rate	2.49%p.a.	3.68%p.a.
4 Year Premium Plus Package Fixed Rate - Special~	3.00%p.a.	3.77%p.a.
4 Year Premium Plus Package Fixed Rate	3.10%p.a.	3.80%p.a.
5 Year Premium Plus Package Fixed Rate - Special~	3.00%p.a.	3.73%p.a.
5 Year Premium Plus Package Fixed Rate	3.10%p.a.	3.77%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 “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 08/07/2020 and are subject to change without notice.

^#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%.

View all home loan interest rates.

Compare our home loans

Find a loan to suit you with our easy to use comparison tool.

Fixed Rate Home Loan	Premium Plus Package Fixed Rates	Premium Plus Package Variable Rate	Premium Variable Home Loan	Discounted Real Deal Home Loan	Real Options Home Loan	Real Equity Credit Facility	Premium Plus Package Credit Facility
Loan Overview
Product Description A loan with a locked in rate and repayment for a fixed term	Product Description A packaged loan with exclusive benefits	Product Description A packaged loan with exclusive benefits	Product Description A low cost variable loan with loads of features and benefits	Product Description A basic variable loan with a 3 year discount	Product Description A variable loan with an extensive range of features	Product Description Our standard credit facility	Product Description A credit facility with exclusive package benefits
View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page
Interest Rates
View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates
Features
Interest Rate Style Fixed	Interest Rate Style Fixed	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable
Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes
Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes
Mortgage Offset Account No	Mortgage Offset Account No	Mortgage Offset Account 100%	Mortgage Offset Account 100%	Mortgage Offset Account Partial	Mortgage Offset Account Partial	Mortgage Offset Account N/A	Mortgage Offset Account N/A
Redraw No	Redraw Yes	Redraw Yes	Redraw Yes	Redraw Yes	Redraw Yes	Redraw N/A	Redraw N/A
Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes
Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes
Maximum Loan to Value Ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.	Maximum Loan to Value Ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.	Maximum Loan to Value Ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.	Maximum Loan to Value Ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.	Maximum Loan to Value Ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.	Maximum Loan to Value Ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.	Maximum Loan to Value Ratio Up to 80% of the value of the property.	Maximum Loan to Value Ratio Up to 80% of the value of the property.
Fees and Charges
Establishment fee $595	Establishment fee Nil	Establishment fee Nil	Establishment fee Nil	Establishment fee $595	Establishment fee $595	Establishment fee Nil	Establishment fee Nil
Ongoing account keeping fees Nil	Ongoing account keeping fees $395 p.a.	Ongoing account keeping fees $395 p.a.	Ongoing account keeping fees Nil	Ongoing account keeping fees Nil	Ongoing account keeping fees Nil	Ongoing account keeping fees $10 per month	Ongoing account keeping fees $395 p.a.

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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.

^#Reverts to Premium Plus Package Tier 4 variable interest rate 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 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 08/07/2020 and are subject to change without notice.

Have you seen our new low rate?

Most popular home loans

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

Compare all home loans

Compare our home loans

Tips on saving through to settlement

Talk to a lender

Enquire online

Find a local branch

Find a local branch or ATM

Download our banking app

Have you seen our new low rate?

Most popular home loans

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

Compare all home loans

Compare our home loans

Tips on saving through to settlement

Talk to a lender

Enquire online

Find a local branch

Find a local branch or ATM

Connect with us

Download our banking app