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Easy ways to apply

Ready, offset, go!

Use multiple Everyday Accounts with 100% interest offset to pay your home loan off sooner.

Easily refinance to our Premium Plus Package Variable Home Loan.

Find a loan to match your home

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    5.99
    %
    p.a
    7.76
    %
    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%.
    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.
    6.24
    %
    p.a
    6.58
    %
    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%.
    Yes
    Yes
    Yes
    Yes
    Yes
  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 5 years.
    6.09
    %
    p.a
    8.04
    %
    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%.
    No
    No
    Yes
    No
    Yes

Lock it in

Got your eye on one of our great fixed rates?

Use our Rate Lock to secure the current advertised rate when you apply for a home loan and protect yourself against potential interest rate rises for 90 days while you work towards settlement.

It’s another way we make buying your home that little bit easier. 

Helping you into your home sooner

The Home Guarantee Scheme (HGS) is an Australian Government initiative supporting eligible home buyers to purchase a home sooner, through a national annual allocation of places under three separate Guarantees.

As of 1 July 2023, the Scheme’s expanded eligibility criteria now supports even more Australian permanent residents, combinations of joint home buyers, and even those who’ve previously owned property but haven’t done so for the past 10 years, to buy a home sooner.

If you're eligible to participate in the HGS, we'll work with you throughout your loan application to secure a place under the relevant Guarantee.

Interest rates effective as of 22/06/2024 and are subject to change without prior notice.
Terms and conditions, fees, charges and credit criteria apply.
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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 1.91% 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 1.26% 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.