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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.

$2,000 cashback for switching your home loan^

  • Smile icon $2,000 cashback for new refinanced loans^
  • Cash icon Minimum loan $250,000 & LVR ≤80%
  • building icon For owner occupied and investment home loans
  • moneybag icon Paid into your Everyday Account

Buying a house is such a massive commitment, but there were no hidden catches with Newcastle Permanent. - Luke and Chloe, Cardiff South

Interest rates effective as of 22/01/2021 and are subject to change without notice.
#Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.
^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *28/02/21 and funded by 30/04/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday Account. 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. Terms and conditions.