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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.

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.

1 Year Fixed Rate Owner Occupied 3.69%p.a. 4.96%p.a.
2 Year Fixed Rate Owner Occupied 3.74%p.a. 4.84%p.a.
3 Year Fixed Rate Owner Occupied 3.89%p.a. 4.78%p.a.
5 Year Fixed Rate Owner Occupied 4.49%p.a. 4.85%p.a.
1 Year Fixed Rate Investment 3.69%p.a. 4.96%p.a.
2 Year Fixed Rate Investment 3.74%p.a. 4.84%p.a.
3 Year Fixed Rate Investment 3.89%p.a. 4.78%p.a.
5 Year Fixed Rate Investment 4.49%p.a. 4.85%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.

Home and contents insurance

Cover for the things that matter

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 apply.
* 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 29/07/2016 and are subject to change without notice.
Home, Contents and Landlord Insurance are sold by Newcastle Permanent Building Society Limited ACN 087 651 992 (NPBS), Australian Financial Services Licence (AFSL)/Australian Credit Licence 238273 and are issued by AAI Limited ABN 48 005 297 807 trading as Vero Insurance (Vero Insurance) AFSL 230859. In arranging this insurance, NPBS acts under its own AFSL and under an agreement with the insurer, Vero Insurance. This is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether or not the insurance is appropriate for you and the relevant Product Disclosure Statement (PDS) in deciding whether to buy or continue to hold any of these insurance products. You can get a PDS for the relevant insurance product from any branch of NPBS or by phoning 13 19 87. We may receive a commission for insurance product sales. Full details can be found in our Newcastle Permanent Financial Services Guide.