This site uses cookies to shape your online experience. Read more

Offers extended! Up to $3,000 cashback for switching your home loan^

  • Smile icon $2,000 cashback for refinanced loans ≥ $250,000
  • Cash icon Plus a bonus $1,000 cashback for refinanced loans ≥$500,000
  • building icon For owner-occupied and investment home loans,
    LVR ≤90%
  • moneybag icon Paid into your
    Newcastle Permanent account

Fixed Rate Home Loan

With a Fixed Rate Home Loan you can relax and enjoy the certainty of knowing your repayments won’t change during the fixed rate period#. This no frills fixed rate loan offers owner occupiers or investors the option of a Loan to Value Ratio (LVR) of up to 95% for principal and interest home loans.

Coupled with no ongoing fees, ensuring stability in managing your repayments, and the ability to make additional repayments each year up to $25,000. Applying is easy with the ability to enquire online or apply over the phone, or with a mobile lender at a place that suits you. 

  • Better value banking icon No ongoing fees No monthly or annual fees.
  • Community support icon Split it your way Divide your loan between fixed and variable rates at no additional cost.
  • npbs icon Repayment options Principal and interest or interest only options available.
  • chat Chat with a local Our local branches and call centre are ready to help you.

"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.

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.

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.
Interest rates effective as of 27/06/2022 and are subject to change without prior notice.
*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.
##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.
~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
~~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.
^Cashback Offers available for home loans refinanced from another financial institution. $2,000 cashback for loans ≥$250,000; bonus $1,000 cashback for loans ≥$500,000. Applications must be submitted by 30/09/2022 and funded by 30/11/2022. Applicable cashback amount will be deposited after loan settlement to an eligible Newcastle Permanent Deposit Account. Only one (1) Cashback Payment and, if applicable, additional Bonus Cashback Payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offers may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions and Bonus Cashback Offer Terms and Conditions.