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Making first home buying simple

Buying your first home can be an exciting, but an overwhelming time.

If you are just starting out on your first home buying journey or you have already found the home you want to buy, we have the tools to help make your dreams a reality. Compare our most popular Real Deal variable rate and fixed rate package home loans to see what suits your needs and understand the difference between fixed and variable interest rates.

A step-by-step guide to applying for a home loan.

"Based on interest rates, products and flexibility, Newcastle Permanent was way ahead of the other banks for us." -Molly and Michael.

Help with your home loan

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

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


Our home loans

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    3.69
    %
    p.a
    4.18
    %
    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.
    2.94
    %
    p.a
    3.34
    %
    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 10 years.
    3.79
    %
    p.a
    4.41
    %
    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

Save up to 10%

Save up to 10% on your first year's premium when purchasing a new Home, Landlord or Comprehensive Motor Insurance policy online.~~@&

~~@&Terms and Conditions apply.

Interest rates effective as of 28/05/2022 and are subject to change without prior notice.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.
*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**Real Deal At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
•They have a Real Deal Home Loan with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
•They convert an existing Newcastle Permanent loan to a Real Deal Home Loan with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings.
Converted borrowings do not constitute new borrowings.
The special interest rate is determined by reference to the applicable LVR. Currently, the LVR requirements are as follows:
•Special 1 – For loans with an LVR of less than or equal to 80%, a discount of 1.73% 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 1.43% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.
~~Save up to 10%: When you buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you buy a new landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium including the optional covers (If selected) Flood & Rent Default and Theft by Tenant. This discount is not applied on renewal. The online discount applies to new Comprehensive Motor insurance policies only. Any online discount offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
&Minimum Premiums: If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.