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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.

Switch your home loan to us

On variable home loans of $250,000 or more, you could get $1500 cashback^ when you switch your home loan to us. Loan to Valuation Ratio up to 80%. Limited time only.

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 16/10/2018 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 90%, a discount of 0.73% is deducted from the Tier 4 Premium Plus Package Variable Rate. 
Discount 2 - For loans with an LVR of equal to or greater than 90% and less than 95%, a discount of 0.63% is deducted from the Tier 4 Premium Plus Package Variable Rate.
Terms and conditions, fees and charges apply.
^ Cashback will be deposited to the loan account after the settlement date. Offer available for home loans refinanced from another financial institution. Applications must be submitted by 30/11/18 and funded by 01/02/19. Offer may be varied or withdrawn at any time. Loan to Valuation Ratio 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. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Fees, Charges, Terms and Conditions apply. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Financial Services Licence/Australian Credit Licence 238273.