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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.

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.

1 Year Fixed Rate 3.34%p.a. 4.55%p.a.
2 Year Fixed Rate 3.34%p.a. 4.43%p.a.
3 Year Fixed Rate 3.34%p.a. 4.33%p.a.
4 Year Fixed Rate 3.68%p.a. 4.35%p.a.
5 Year Fixed Rate 3.68%p.a. 4.28%p.a.

All interest rates displayed are for Owner Occupied loans with Principal & Interest repayments and are subject to change.

See all interest rates.

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 Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest based loans.

Mortgage Fees & Charges - PDF 113kb  

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Newcastle Permanent
Here’s some information for you:
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to “interest only” on this page refer to loans with interest based repayments, which are calculated slightly differently from traditional interest only repayments – please ask us for further details. 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 based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based 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.
#Reverts to the Real Options Home Loan at the end of the Fixed Rate period.
Interest rates effective as of 25/08/2019 and are subject to change without notice.