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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.

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, 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 26/06/2019 and are subject to change without notice.
** 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 90%, a discount of 0.76% is deducted from the Real Deal Home Loan interest rate.
  • Special 2 – For loans with an LVR of equal to or greater than 90%, and less than 95%, a discount of 0.66% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees and charges apply.