We’re launching our new online banking experience, so on Sunday 27th August our Internet, Mobile and Phone Banking services including our Apps will be unavailable between 1.00am & 6.00pm AEST. Please note that ATMs, EFTPOS and PayWave will not be affected. We apologise for any inconvenience.

We use cookies to provide you with the best possible online experience. Read more

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.

Award-winning home loans

See how much you could save with one of our award-winning home loans!

Enquire now
Newcastle Permanent
Here’s some information for you:
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

References to “interest only” on this page refer to loans with interest based repayments – please ask us for further details. References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

At the current time, exclusions apply to refinancing of investment purpose home loans from another financial institution which have interest only repayments.
Interest rates effective as of 23/08/2017 and are subject to change without notice.
* 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.
***Discounted interest rates 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 borrowers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000, for an owner occupied home loan with principal & interest repayments. The discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR) as follows:
Discount 1 - For loans with an LVR of less than 80%, a discount of 0.63% is deducted from the Tier 4 Premium Plus Package Variable Rate
Discount 2 - For loans with an LVR of 80% and up to less than 90%, a discount of 0.53% is deducted from the Tier 4 Premium Plus Package Variable Rate
Discount 3 - For loans with an LVR equal to or greater than 90%, a discount of 0.53% is deducted from the Tier 4 Premium Plus Package Variable Rate
Terms and conditions, fees and charges apply.