Your local branch hours may have changed as we navigate COVID-19. Things can change quickly, save yourself the trip and check your local branch info.

Dismiss

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

Dismiss
Navigation

BSB 650 000

Enjoy the certainty of knowing your repayments

1.99
%
P.A.
Standard Fixed Rate
2 Year Fixed Rate Special~
3.88
%
P.A.
Owner occupied, P&I repayments.
Enquire now

Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

$2,000 cashback for switching your home loan - offer extended^

  • Smile icon $2,000 cashback for new refinanced loans^
  • Cash icon Minimum loan $250,000 & LVR ≤80%
  • building icon For owner occupied and investment home loans
  • moneybag icon Paid into your account
Cashback Terms and Conditions.

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.

Talk to a lender

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.


Talk to a lender

Features

  • Loan features

    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.

    Minimum loan amount No minimum
    Maximum loan term 30 years
    Additional repayments You can make regular additional and extra lump sum repayments, up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
    Redraw facility Not available
    Repayment holiday Yes
    Repayment frequency Monthly, Fortnightly or Weekly repayments.
    Repayment options Principal & Interest or Interest Only.
    Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
    100% Interest offset account Not available
    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 only loans.

  • Featured interest rates & fees

     
    1 Year Fixed Rate - Special~ 1.99%p.a. 4.08%p.a.
    1 Year Fixed Rate 2.29%p.a. 4.11%p.a.
    2 Year Fixed Rate - Special~ 1.99%p.a. 3.88%p.a.
    2 Year Fixed Rate 2.29%p.a. 3.94%p.a.
    3 Year Fixed Rate - Special~ 2.29%p.a. 3.78%p.a.
    3 Year Fixed Rate 2.59%p.a. 3.86%p.a.
    4 Year Fixed Rate - Special~ 2.69%p.a. 3.77%p.a.
    4 Year Fixed Rate 2.99%p.a. 3.87%p.a.
    5 Year Fixed Rate - Special~ 2.99%p.a. 3.78%p.a.
    5 Year Fixed Rate 3.29%p.a. 3.90%p.a.
    7 Year Fixed Rate - Special~ 4.39%p.a. 4.36%p.a.
    7 Year Fixed Rate 4.49%p.a. 4.42%p.a.
    10 Year Fixed Rate - Special~ 4.39%p.a. 4.39%p.a.
    10 Year Fixed Rate 4.49%p.a. 4.46%p.a.
    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.
    *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 28/10/2021 and are subject to change without prior notice.
    ##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%.
    1 Year Fixed Rate Investment - Special~ 2.49%p.a. 4.43%p.a.
    1 Year Fixed Rate Investment 2.79%p.a. 4.46%p.a.
    2 Year Fixed Rate Investment - Special~ 2.49%p.a. 4.25%p.a.
    2 Year Fixed Rate Investment 2.79%p.a. 4.30%p.a.
    3 Year Fixed Rate Investment - Special~ 2.79%p.a. 4.16%p.a.
    3 Year Fixed Rate Investment 3.09%p.a. 4.23%p.a.
    4 Year Fixed Rate Investment - Special~ 3.19%p.a. 4.16%p.a.
    4 Year Fixed Rate Investment 3.49%p.a. 4.26%p.a.
    5 Year Fixed Rate Investment - Special~ 3.49%p.a. 4.18%p.a.
    5 Year Fixed Rate Investment 3.79%p.a. 4.30%p.a.
    7 Year Fixed Rate Investment - Special~ 4.49%p.a. 4.57%p.a.
    7 Year Fixed Rate Investment 4.59%p.a. 4.63%p.a.
    10 Year Fixed Rate Investment - Special~ 4.49%p.a. 4.56%p.a.
    10 Year Fixed Rate Investment 4.59%p.a. 4.63%p.a.
    Interest rates effective as of 28/10/2021 and are subject to change without prior notice.
    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.
    *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.
    #Reverts to the Real Options Investment 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%.
    Annual Fee Nil
    Establishment Fee $595
    Monthly Fee Nil

    Mortgage Fees & Charges - PDF 113kb  
    Break Costs and Fixed Interest Rate Guide- PDF 189kb  
    Get the facts with our Home Loan Key Facts Sheet.

    View all home loan interest rates

  • Find a lender

    Local lender

    Let us come to you! Find a local lending specialist in your area.

    Available over the phone or in person, you can get the loan expertise you need without leaving your house.

    Search for
    View results as:
    View map

Tips on saving through to settlement

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 28/10/2021 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%.
^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *17/12/21 and funded by 28/02/22. $2,000 Cashback will be deposited after settlement to an eligible NPBS deposit account. Only one (1) Cashback Payment per eligible loan. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Terms and conditions.