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BSB 650 000

Enjoy a great low rate

2.22
%
P.A.
Real Deal - Special 1**
2.26
%
P.A.
Comparison rate*
Enquire now

Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%. Minimum balance $150,000.

What are you looking to do?

$2,000 cashback for switching your home loan - offer extended^

  • Smile icon $2,000 cashback for new refinanced loans^
  • Cash icon Minimum loan $250,000 & LVR ≤80%
  • building icon For owner occupied and investment home loans
  • moneybag icon Paid into your 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.
    2.22
    %
    p.a
    2.26
    %
    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
    		No
    		Yes
    		Yes
    		No
    		Yes

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    2.24
    %
    p.a
    3.73
    %
    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
    		No
    		Yes
    		Yes
    		Yes
    		Yes

  • Premium Plus Package Variable Rate

    A variable rate package home loan with fee free redraw and a 100% offset account.
    2.69
    %
    p.a
    3.10
    %
    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
    		Yes
    		Yes
    		Yes
    		Yes
    		Yes

  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 10 years.
    2.34
    %
    p.a
    3.95
    %
    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
    		No
    		No
    		Yes
    		No
    		Yes

Help with your home loan

Our local lenders are here to guide you through the process of buying a home from start to finish. Available over the phone or in person, you can get the specialist help you need without leaving your house.

Save yourself the time and stress and make an appointment today.


Talk to a lender

Calculators and tools

  • Why Premium Plus Package

    Features

    The Premium Plus home loan packages offer a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus package product.
    Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

    Optional benefits

    You can maximise your Premium Plus Package and apply for a range of additional benefits:

    Give our friendly staff a call on 13 19 87 or visit your local branch to take advantage of these options.

    Eligibility

    You are eligible to receive these benefits if you have a:

     

    Important information about Premium Plus Package
    A $395 annual Premium Plus Package fee applies. Package benefits for a product or service described above are only available where the product is in the same name as the package holder, and only available while you hold an active Premium Plus Package.
    Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

     

    Home, Contents, Landlord and Motor Vehicle Insurances are arranged by Newcastle Permanent Building Society Limited and are issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz). Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement and key fact sheets, available on this website, by calling 13 19 87 or from any branch. In arranging these insurances, Newcastle Permanent Building Society Limited acts under its own AFS Licence and as agent for Allianz under an agreement with Allianz. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details or see our Financial Services Guide before we provide you with services.
    Premium Plus Package Customers are eligible for an ongoing premium discount when purchasing a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount, each of them is applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

  • Calculators

  • Featured rates

    Popular home loans
    Discounted Real Deal^ 3.60%p.a. 3.82%p.a.
    Real Deal 3.85%p.a. 3.89%p.a.
    Real Deal - Special 1 2.22%p.a. 2.26%p.a.
    Real Deal - Special 2 2.89%p.a. 2.93%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. 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 03/12/2021 and are subject to change without prior 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 1.63% 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 0.96% is deducted from the Real Deal Home Loan interest rate.
    Terms and conditions, fees, charges and credit criteria apply.
    ***Real Deal Investment Home Loan 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.
    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 equal to or less than 80%, a discount of 1.70% is deducted from the Real Deal Investment Home Loan interest rate
    1 Year Premium Plus Package Fixed Rate - Special~ 2.09%p.a. 3.82%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~ 2.24%p.a. 3.73%p.a.
    2 Year Premium Plus Package Fixed Rate 2.54%p.a. 3.78%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 2.59%p.a. 3.71%p.a.
    3 Year Premium Plus Package Fixed Rate 2.89%p.a. 3.78%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 2.89%p.a. 3.73%p.a.
    4 Year Premium Plus Package Fixed Rate 3.19%p.a. 3.83%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 3.09%p.a. 3.77%p.a.
    5 Year Premium Plus Package Fixed Rate 3.39%p.a. 3.89%p.a.
    7 Year Premium Plus Package Fixed Rate - Special~ 4.69%p.a. 4.56%p.a.
    7 Year Premium Plus Package Fixed Rate 4.79%p.a. 4.61%p.a.
    10 Year Premium Plus Package Fixed Rate - Special~ 4.69%p.a. 4.73%p.a.
    10 Year Premium Plus Package Fixed Rate 4.79%p.a. 4.80%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. 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 03/12/2021 and are subject to change without prior 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 - Discount 1 2.69%p.a. 3.10%p.a.
    Premium Plus Package - Discount 2 3.21%p.a. 3.61%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 0.88% 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 0.36% 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. 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 03/12/2021 and are subject to change without prior notice.
    1 Year Fixed Rate - Special~ 2.19%p.a. 4.10%p.a.
    1 Year Fixed Rate 2.49%p.a. 4.12%p.a.
    2 Year Fixed Rate - Special~ 2.34%p.a. 3.95%p.a.
    2 Year Fixed Rate 2.64%p.a. 4.00%p.a.
    3 Year Fixed Rate - Special~ 2.69%p.a. 3.88%p.a.
    3 Year Fixed Rate 2.99%p.a. 3.96%p.a.
    4 Year Fixed Rate - Special~ 2.99%p.a. 3.87%p.a.
    4 Year Fixed Rate 3.29%p.a. 3.97%p.a.
    5 Year Fixed Rate - Special~ 3.19%p.a. 3.86%p.a.
    5 Year Fixed Rate 3.49%p.a. 3.98%p.a.
    7 Year Fixed Rate - Special~ 4.79%p.a. 4.58%p.a.
    7 Year Fixed Rate 4.89%p.a. 4.64%p.a.
    10 Year Fixed Rate - Special~ 4.79%p.a. 4.67%p.a.
    10 Year Fixed Rate 4.89%p.a. 4.74%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. 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 03/12/2021 and are subject to change without prior notice.

    View all home loan interest rates.

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Interest rates effective as of 03/12/2021 and are subject to change without prior 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 1.63% 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 0.96% 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. 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 0.88% 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 0.36% 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 *17/12/21 and funded by 28/02/22. $2,000 Cashback will be deposited after settlement to an eligible NPBS deposit 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.