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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.

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

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.
~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.