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Our Fixed Rate Home Loans let you lock in your interest rate and fix your repayments from 1 to 10 years.

Newcastle Permanent offer one of the most competitive home loan rates in Australia. Their customer service is second to none.

Review from mozo.com.au
New South Wales

Fixed Rate Home Loan overview

Our Fixed Rate Home Loan offers you the certainty of knowing what your repayments will be for the fixed rate period. See all interest rates.

1 Year Fixed Rate Special 3.89%p.a. 4.89%p.a.
2 Year Fixed Rate Special 3.89%p.a. 4.79%p.a.
3 Year Fixed Rate Special 3.99%p.a. 4.73%p.a.
1 Year Fixed Rate 4.49%p.a. 4.95%p.a.
2 Year Fixed Rate 4.49%p.a. 4.90%p.a.
3 Year Fixed Rate 4.59%p.a. 4.89%p.a.
Annual Fee Nil
Establishment Fee - Investment Loans Only $595
Monthly Fee Nil
Minimum Loan Amount No Minimum
Maximum Loan Term 30 Years
Redraw Facility No
Repayment Holiday Yes
Repayment Frequency Monthly, Fortnightly or Weekly repayments
Repayment Options Principal and interest or interest only
Split loan Yes
Interest Offset Account No
Mortgage Portability Yes
Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied.

Up to 60% of the value of the property for investment.

Home loan sorted. Time to celebrate.

See how we compare, and how much you could save.

Here’s some information for you:
~ For a limited time we will be offering a special discount (currently at 0.60% p.a.) off the standard Fixed Interest Rate for Owner Occupied Fixed Rate Home Loans approved from the 13 February 2017. To be eligible for the discount, the Fixed Rate Home Loan must settle within 60 days of the day we approve your loan. If the loan settles after the 60 day period, the standard Fixed Interest Rate for that loan term with no discount will apply. The discount is applicable to the fixed term of your loan only.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
* 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.
Interest rates effective as of 25/03/2017 and are subject to change without notice.