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BSB 650 000

Have you seen our new low rate? 

2.39
%
P.A.
Premium Plus Package
3 Year Fixed Rate#
3.66
%
P.A.
Comparison rate*
Find out more

Owner occupied home loans with principal and interest repayments.

Newcastle Permanent provides such a friendly and personalised service – they make everything so easy.

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Calculators and tools

  • Borrowing and repayment calculators

    Select a calculator

    We have a range of easy to use calculators to help you determine monthly repayments and how much you could borrow.

    • 
                            
      

                                
      What will my repayments be?
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
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      Initial repayments at 0.00% p.a.

                                        
      
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      How much can I borrow?
      
  
      


  
      
    
    
      
      
      
        
      
            
      
              
      
                

                
      
                  
      
                    
                  
      
      
                  
      
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      Income (before tax)
      
          
      


          
      
            
      
  
      Applicant 1
      

      



      
  

  
      
    
      
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      Applicant 2
      

      



      
  

  
      
    
      
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      Will you continue to pay rent after you get this loan?
      


  
      
    
      
      

      
      
        
      
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            Calculate 
            
          

          
            Recalculate 
            
          
        

        
      
          
      
            
      
            
      You could borrow up to
      
            $0
          
      
        
      
      
      
      
    
      
  
      

      

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      How much can I borrow based on preferred repayments?
      
                    
      

                    
      
                        
      
                            
      
                            
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
                                                
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      You could borrow up to

                                
      
                                $0

                                
                            
      

                        
      
                    
      

                
      

            
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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.

    



                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        Interest 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.
                            
                    
    
                
                
            
                        
                    
    
                
        






    
    *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 06/04/2020 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 - 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 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 06/04/2020 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 90%, a discount of 0.63% is deducted from the Premium Plus Package Variable Rate Tier 4.
    
Discount 2 - For loans with an LVR of equal to or greater than 90% 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 90% 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; 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 90%.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
                            
                                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 06/04/2020 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. 

    



                    
    
                
    
            
    

        

            
    
                
                
    
                    
    
                        
            
                    
    
                
            
                    
                            
                                
    
                                    
                            
                        
                            
                        
                            
                        
                                
    
                                
                        
                
            
                    
                
            
                    
                    
    
                        
                                1 Year Fixed Rate
                            
                                2.39%p.a.
                            
                                4.12%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Fixed Rate
                            
                                2.44%p.a.
                            
                                3.96%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Fixed Rate
                            
                                2.49%p.a.
                            
                                3.83%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Fixed Rate
                            
                                3.10%p.a.
                            
                                3.90%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Fixed Rate
                            
                                3.10%p.a.
                            
                                3.82%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Fixed Rate
                            
                                4.09%p.a.
                            
                                4.20%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Fixed Rate
                            
                                4.09%p.a.
                            
                                4.18%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 06/04/2020 and are subject to change without notice.

    






    
    
#Reverts to the Real Options Home Loan at the end of the Fixed Rate period.


    



                    
    
                
    
            
    

        
        

    

    



    
    
    View all home loan interest rates.
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        Compare all home loans 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            



    
    
    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
                                    
                            
    
                            
                        
                    		
            
    
    


                                                

                                            
                                            

                                            
                                            
                                            
                                            
                                        
                                            
                                            
                                            

                                            
                                            
                                                    
    
    
        
                
                    
                            
    
                                
                                
                            
    
                            
    
                                
                                        
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                                        Interest Rates 
                                    
    
                                    

                                    
                                            
                                            
                                            

                                            
                                            
                                                    
    
    
        
                
                    
                            
    
                                
                                
                            
    
                            
    
                                
                                        
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                                        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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$2,500 cashback for first home buyers^


                

                    
 

                

                
                        

                            

                                



    
        Find out more
    
                

 

                            

                        

                    
                        

                            
^Owner occupied loans >$250k, principal & interest repayments. Cashback paid to Newcastle Permanent Everyday Account. T&Cs apply.

                        

                    
            

        

    









    

        

            
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    ^Offer available to first home buyers on new owner occupied home loans with principal and interest repayments. Minimum borrowing $250,000. Applications must be submitted by 30/04/20 and funded by 30/06/20. The $2,500 cashback will be deposited after settlement to a Newcastle Permanent Everyday Account in the same name(s) as the loan. 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. Loan to Valuation Ratio (LVR) less than 95%. 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.










    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 06/04/2020 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.