Fixed Rate Home Loan

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

Enquire now Compare Home Loans

Featured product

2 Year Fixed Rate Owner Occupied

3.69

%

P.A.

Comparison rate

4.75

%^*

P.A.

Fixed Rate home loans let you lock in your interest rate for up to 10 years, giving you the certainty of knowing what your repayments will be.

Fixed rates for 1, 2, 3, 4, 5, 7 or 10 years
Make additional repayments of up to $25,000 p.a.
Some of the most competitive rates in Australia

Fixed repayments
No ongoing fees

Mortgage Fees & Charges - PDF 114kb | Home Loan Key fact sheets

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

Kim
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.

Owner Occupied Fixed Rate Home Loan	Interest Rate	Comparison Rate*
1 Year Fixed Rate Owner Occupied	3.69%p.a.	4.87%p.a.
2 Year Fixed Rate Owner Occupied	3.69%p.a.	4.75%p.a.
3 Year Fixed Rate Owner Occupied	3.79%p.a.	4.68%p.a.
5 Year Fixed Rate Owner Occupied #	3.80%p.a.	4.51%p.a.

Investment Fixed Rate Home	Interest Rate	Comparison Rate*
1 Year Fixed Rate Investment	3.69%p.a.	4.87%p.a.
2 Year Fixed Rate Investment	3.69%p.a.	4.75%p.a.
3 Year Fixed Rate Investment	3.79%p.a.	4.68%p.a.
5 Year Fixed Rate Investment #	3.80%p.a.	4.51%p.a.

Annual Fee	Nil
Establishment Fee - Investment Loans Only	$550
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 80% of the value of the property for investment.

Mortgage Fees & Charges - PDF Home Loan Key fact sheets

Our range of home loans...

Real Equity Credit Facility

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See our guides

Tools and Calculators

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

Select a calculator

How much can I borrow based on preferred repayments?
Loan term

years

Preferred monthly repayments

$
You could borrow up to
$0
How much can I borrow?
Loan term

years

Number of applicants

Single Couple Two singles

Number of dependants

0 1 2 3 4 5+

Total monthly income after tax

$

Total monthly loan repayments and rent

$

Total monthly living expenses (e.g. phone, electricity)

$

Total credit/store card limit

$
You could borrow up to
$0

What will my repayments be?

Loan amount

$

Loan term

years

Weekly
Fortnightly
Monthly

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Pay off your loan faster
Extra monthly repayments

$
- New term
- Interest saved
- $0

Payment Breakdown

Year	Owing

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. 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.

Popular home loans

View all home loan interest rates.

Owner Occupied Fixed Rate Home Loan	Interest Rate	Comparison Rate*
1 Year Fixed Rate Owner Occupied	3.69%p.a.	4.87%p.a.
2 Year Fixed Rate Owner Occupied	3.69%p.a.	4.75%p.a.
3 Year Fixed Rate Owner Occupied	3.79%p.a.	4.68%p.a.
4 Year Fixed Rate Owner Occupied	3.80%p.a.	4.59%p.a.
5 Year Fixed Rate Owner Occupied #	3.80%p.a.	4.51%p.a.
7 Year Fixed Rate Owner Occupied	6.59%p.a.	5.92%p.a.
10 Year Fixed Rate Owner Occupied	6.59%p.a.	6.17%p.a.

Interest rates effective as of 29/09/2016 and are subject to change without notice.

^# Lower rates may apply under our Rate Guarantee Offer. Full terms and conditions of our Rate Guarantee Offer are available here. Please contact us on 13 19 87 for more information.

* 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.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Premium Plus Package Home Loan**	Interest Rate	Comparison Rate*
Premium Plus Package Discount##	3.85%p.a.	4.21%p.a.
Premium Plus Package Discount - Investors ◆	4.19%p.a.	4.55%p.a.
Premium Plus Package Tier 4	4.27%p.a.	4.62%p.a.
Premium Plus Package Tier 3	4.32%p.a.	4.67%p.a.
Premium Plus Package Tier 2	4.42%p.a.	4.77%p.a.
Premium Plus Package Tier 1	4.47%p.a.	4.82%p.a.

* 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 29/09/2016 and are subject to change without notice.

^** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000

^##Discounted interest rate available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with a minimum balance of $150,000. Existing Newcastle Permanent customers 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. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. 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.

Real Deal Home Loan	Interest Rate	Comparison Rate*
Discounted Real Deal Home Loan^	4.30%p.a.	4.52%p.a.
Real Deal Variable Rate Loan	4.55%p.a.	4.59%p.a.

^» Lower rates may apply under our Rate Guarantee Offer. Full terms and conditions of our Rate Guarantee Offer are available here. Please contact us on 13 19 87 for more information.

* 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 29/09/2016 and are subject to change without notice.

^{^} 3 year discount of 0.25%p.a. off the Real Deal variable interest rate. 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 Variable Home Loan	Interest Rate	Comparison Rate*
Premium Variable Rate	5.17%p.a.	5.17%p.a.

* 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 29/09/2016 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.

Compare our home loans

Find a loan to suit you with our easy to use comparison tool.

Fixed Rate Home Loan	Premium Plus Package	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 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
View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page
Interest Rates
View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates
Features
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
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 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 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
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 Up to 95% of the value of the property for owner occupied. Up to 80% of the value of the property for investment.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Up to 80% of the value of the property for investment.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Up to 80% of the value of the property for investment.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. This product is not available for investment purposes.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Up to 80% of the value of the property for investment.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Up to 80% of the value of the property for investment.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Up to 80% of the value of the property for investment.
Fees and Charges
Establishment fee $550	Establishment fee Nil	Establishment fee Nil	Establishment fee $550	Establishment fee $550	Establishment fee $550	Establishment fee Nil
Ongoing account keeping fees Nil	Ongoing account keeping fees $375 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 $375 p.a.

How we can help

Here’s some information for you:

^# Lower rates may apply under our Rate Guarantee Offer. Full terms and conditions of our Rate Guarantee Offer are available here. Please contact us on 13 19 87 for more information.

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 29/09/2016 and are subject to change without notice.

Fixed Rate Home Loan

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

Featured product