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BSB 650 000

Enjoy the certainty of knowing your repayments

2.28
%
P.A.
Standard Fixed Rate
2 Year Fixed Rate Special~
3.94
%
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%.

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

Calculators and features

  • How much can I borrow?

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    We have a range of easy to use calculators to help you determine monthly repayments and how much you could borrow.

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      What will my repayments be?
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
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Here’s some information for you:


    






    
    The calculator results are indicative only and are based on the accuracy of information provided by you.  The calculator results have been prepared without taking into account your personal circumstances. The interest rates shown in this calculator are for Owner Occupied loans with Principal and Interest repayments. We recommend you obtain professional financial and legal advice before making any financial decision. The calculator results are estimates only and do not constitute a quote or loan offer.  Weekly loan repayments are based on 52 weekly repayments.  Fortnightly loan repayments are based on 26 fortnightly repayments.  The repayment amounts do not include Society fees and Government charges that may apply to this type of loan.

    



                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        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
                            
                    
    
                
                    
    
                        
                                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.
                            
                    
    
                
                
            
                        
                    
    
                
        


                    
    
                
    
            
    

        
        

    

    

                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        Featured interest rates & fees 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            
    
      
    
   
    
    
        
        
    
             
        
    
        
    
    
    
            

            
    
                
                
    
                    
    
                        
            
                    
    
                
            
                    
                            
                                
    
                                    
                            
                        
                            
                        
                            
                        
                                
    
                                
                        
                
            
                    
                
            
                    
                    
    
                        
                                1 Year Fixed Rate - Special~
                            
                                2.28%p.a.
                            
                                4.10%p.a.
                            
                    
    
                
                    
    
                        
                                1 Year Fixed Rate
                            
                                2.49%p.a.
                            
                                4.12%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Fixed Rate - Special~
                            
                                2.28%p.a.
                            
                                3.94%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Fixed Rate
                            
                                2.54%p.a.
                            
                                3.98%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Fixed Rate - Special~
                            
                                2.49%p.a.
                            
                                3.83%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Fixed Rate
                            
                                2.59%p.a.
                            
                                3.86%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Fixed Rate - Special~
                            
                                3.10%p.a.
                            
                                3.90%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Fixed Rate
                            
                                3.20%p.a.
                            
                                3.94%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Fixed Rate - Special~
                            
                                3.10%p.a.
                            
                                3.82%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Fixed Rate
                            
                                3.20%p.a.
                            
                                3.86%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Fixed Rate - Special~
                            
                                4.09%p.a.
                            
                                4.20%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Fixed Rate
                            
                                4.19%p.a.
                            
                                4.26%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Fixed Rate - Special~
                            
                                4.09%p.a.
                            
                                4.18%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Fixed Rate
                            
                                4.19%p.a.
                            
                                4.25%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 “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. 

    






    
    Interest rates effective as of 08/07/2020 and are subject to change without notice.

    






    
    
##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~
                            
                                2.79%p.a.
                            
                                4.46%p.a.
                            
                    
    
                
                    
    
                        
                                1 Year Fixed Rate Investment
                            
                                3.09%p.a.
                            
                                4.49%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Fixed Rate Investment - Special~
                            
                                2.79%p.a.
                            
                                4.30%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Fixed Rate Investment
                            
                                3.14%p.a.
                            
                                4.36%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Fixed Rate Investment - Special~
                            
                                3.09%p.a.
                            
                                4.23%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Fixed Rate Investment
                            
                                3.19%p.a.
                            
                                4.26%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Fixed Rate Investment - Special~
                            
                                3.29%p.a.
                            
                                4.19%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Fixed Rate Investment
                            
                                3.39%p.a.
                            
                                4.22%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Fixed Rate Investment - Special~
                            
                                3.29%p.a.
                            
                                4.10%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Fixed Rate Investment
                            
                                3.39%p.a.
                            
                                4.14%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Fixed Rate Investment - Special~
                            
                                4.19%p.a.
                            
                                4.41%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Fixed Rate Investment 
                            
                                4.29%p.a.
                            
                                4.47%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Fixed Rate Investment - Special~
                            
                                4.19%p.a.
                            
                                4.35%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Fixed Rate Investment
                            
                                4.29%p.a.
                            
                                4.42%p.a.
                            
                    
    
                
                
            
                        
                    
    
                
        






    
    Interest rates effective as of 08/07/2020 and are subject to change without 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 “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 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 - Investment Loans Only
                            
                                $595
                            
                    
    
                
                    
    
                        
                                Monthly Fee
                            
                                Nil
                            
                    
    
                
                
            
                        
                    
    
                
        


                    
    
                
    
            
    

        
        

    

    




    
    
    Mortgage Fees & Charges - PDF 113kb  
    

    
    Get the facts with our Home Loan Key Facts Sheet.
    

    View all home loan interest rates
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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    With many customers now choosing contactless ways of banking, you will find these branches open on a Saturday morning: Greenhills, Charlestown Square, Raymond Terrace, Glendale, Kotara, Mount Hutton, Swansea, Erina, and Tuggerah.

    

    You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. 
    

    






    

    
    

        
    

            
    
                

                
    
                    
                
    
            
    

            
    
                

                
    
                    
    
                        
                        
                    
    
                
    
            
    
        
    

        
    

            
    

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    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%.