Fixed Rate Home Loan

Our Fixed Rate Home Loans let you lock in your interest rate and fix your repayments from 1 to 10 years.

Enquire now Compare Home Loans

3 Year Fixed Rate

4.04

%

P.A.

Comparison rate

4.88

%^*

P.A.

Owner Occupied Loans with Principal and Interest Repayments.

Fixed Rate home loans let you lock in your interest rate for up to 10 years, giving you the certainty of knowing what your repayments will be.

Fixed rates for 1, 2, 3, 4, 5, 7 or 10 years^#
Make additional repayments of up to $25,000 p.a.
Fixed repayments

Some of the most competitive rates in Australia
No ongoing fees

Mortgage Fees & Charges - PDF 113kb

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.

Fixed Rate Home Loan	Interest Rate~	Comparison Rate*
1 Year Fixed Rate	3.89%p.a.	5.05%p.a.
2 Year Fixed Rate	3.94%p.a.	4.95%p.a.
3 Year Fixed Rate	4.04%p.a.	4.88%p.a.
4 Year Fixed Rate	4.29%p.a.	4.88%p.a.
5 Year Fixed Rate	4.29%p.a.	4.82%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

See how much you could save with one of our award-winning home loans!
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Newcastle Permanent

Tools and Calculators

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

Select a calculator

What will my repayments be?

Loan amount

$

Loan term

years

Weekly
Fortnightly
Monthly

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Initial repayments at 0.00% p.a.

$0

Repayments at 0.00% p.a.

$0

Pay off your loan faster
Extra monthly repayments

$
- New term
- Interest saved
- $0

Payment Breakdown

Year	Owing

How much can I borrow?

Loan term

years

Number of applicants

Single Joint

Number of dependants

0 1 2 3 4 5+

Income (before tax)

Applicant 1

Base salary Please enter amount before tax not including any bonuses.

$

Other salary-related income Other income related to salary including overtime and commissions. Casual salary should also be entered here.

$

Investment income e.g. rental income

Investment rental income

$

Other investment income

$

Other income

Family tax benefits

$

Pensions

$

Child support / maintenance

$

Applicant 2

Base salary Please enter amount before tax not including any bonuses.

$

Other salary-related income Other income related to salary including overtime and commissions. Casual salary should also be entered here.

$

Investment income e.g. rental income

Investment rental income

$

Other investment income

$

Other income

Family tax benefits

$

Pensions

$

Child support / maintenance

$

Expenses

Home loan repayments

$

Other loan repayments

$

Bills and living expenses

$

Total credit card / store card limit The amount required here is the total credit limit of all your credit cards and store cards. It is not the sum of your balances or your required monthly repayments.

$

Will you continue to pay rent after you get this loan?

Rental expenses

$

Calculate Recalculate

You could borrow up to
$0
How much can I borrow based on preferred repayments?
Loan term

years

Preferred monthly repayments

$
You could borrow up to
$0

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.

Compare our home loans

Find a loan to suit you with our easy to use comparison tool.

Fixed Rate Home Loan	Premium Plus Package Fixed Rates	Premium Plus Package Variable Rate	Premium Variable Home Loan	Discounted Real Deal Home Loan	Real Options Home Loan	Real Equity Credit Facility	Premium Plus Package Credit Facility
Loan Overview
Product Description A loan with a locked in rate and repayment for a fixed term	Product Description A packaged loan with exclusive benefits	Product Description A packaged loan with exclusive benefits	Product Description A low cost variable loan with loads of features and benefits	Product Description A basic variable loan with a 3 year discount	Product Description A variable loan with an extensive range of features	Product Description Our standard credit facility	Product Description A credit facility with exclusive package benefits
View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page	View Product Page
Interest Rates
View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates	View Interest Rates
Features
Interest Rate Style Fixed	Interest Rate Style Fixed	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable	Interest Rate Style Variable
Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes	Split loan Yes
Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes	Additional repayments Yes
Mortgage Offset Account No	Mortgage Offset Account No	Mortgage Offset Account 100%	Mortgage Offset Account 100%	Mortgage Offset Account Partial	Mortgage Offset Account Partial	Mortgage Offset Account N/A	Mortgage Offset Account N/A
Redraw No	Redraw Yes	Redraw Yes	Redraw Yes	Redraw Yes	Redraw Yes	Redraw N/A	Redraw N/A
Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes	Mortgage Portability Yes
Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option Yes	Interest Only Option 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.	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.	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.	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.	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.	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.	Maximum Loan to Value Ratio Up to 80% of the value of the property.	Maximum Loan to Value Ratio Up to 80% of the value of the property.
Fees and Charges
Establishment fee $595	Establishment fee Nil	Establishment fee Nil	Establishment fee Nil	Establishment fee $595	Establishment fee $595	Establishment fee Nil	Establishment fee Nil
Ongoing account keeping fees Nil	Ongoing account keeping fees $395 p.a.	Ongoing account keeping fees $395 p.a.	Ongoing account keeping fees Nil	Ongoing account keeping fees Nil	Ongoing account keeping fees Nil	Ongoing account keeping fees $10 per month	Ongoing account keeping fees $395 p.a.

Home Loan Guides
How we can help

Buying your first home

Renovating or building

Refinancing your home loan

Our home loans

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 – 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 22/04/2019 and are subject to change without notice.

Fixed Rate Home Loan

Our Fixed Rate Home Loans let you lock in your interest rate and fix your repayments from 1 to 10 years.