Fixed Rate Home Loans & Mortgages

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

Featured product

Fixed Rate Home Loan

Special 2 Year Fixed Rate^{^^}

3.64

%

P.A.

Comparison rate

4.83

%^*

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

Canstar Outstanding Value Owner Occupied Fixed Rate Home Loan

Award-winning home loans

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. See all interest rates.

Special Fixed Rate^^	Interest Rate	Comparison Rate*
1 Year Fixed Rate Special	3.64%p.a.	4.95%p.a.
2 Year Fixed Rate Special	3.64%p.a.	4.83%p.a.
3 Year Fixed Rate Special	3.69%p.a.	4.73%p.a.

Fixed Rate Home Loan	Interest Rate~	Comparison Rate*
1 Year Fixed Rate	3.74%p.a.	4.96%p.a.
2 Year Fixed Rate	3.74%p.a.	4.85%p.a.
3 Year Fixed Rate	3.79%p.a.	4.75%p.a.
4 Year Fixed Rate	4.24%p.a.	4.81%p.a.
5 Year Fixed Rate	4.24%p.a.	4.75%p.a.

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	Up to 95% of the value of the property for owner occupied. Lower LVRs apply to Investment and Interest based 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

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

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 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 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.

Popular home loans

View all home loan interest rates.

Special Fixed Rate^^	Interest Rate	Comparison Rate*
1 Year Fixed Rate Special	3.64%p.a.	4.95%p.a.
2 Year Fixed Rate Special	3.64%p.a.	4.83%p.a.
3 Year Fixed Rate Special	3.69%p.a.	4.73%p.a.

Interest rates effective as of 25/09/2017 and are subject to change without notice.

^{^^} For a limited time we will be offering a special discount (currently at 0.10% p.a.) off the standard Fixed Interest Rate for Owner Occupied Fixed Rate Home Loans with repayments (Principal & Interest or Interest Based) approved from 18 September 2017. To be eligible for the discount, the Fixed Rate Home Loan must settle within 60 days of the day we approve your loan. If the loan settles after the 60 day period, the standard Fixed Interest Rate for that loan term with no discount will apply. The discount is applicable to the fixed term of your loan only. Terms and conditions, 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. 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.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Premium Plus Package Owner Occupied Specials***	Interest Rate	Comparison Rate*
Premium Plus Package - Discount 1	3.64%p.a.	4.03%p.a.
Premium Plus Package - Discount 2	3.84%p.a.	4.22%p.a.

Premium Plus Package Investment Special~~	Interest Rate	Comparison Rate*
Premium Plus Package Investment - Discount 1	4.17%p.a.	4.54%p.a.

* 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 25/09/2017 and are subject to change without notice.

^***Discounted interest rates available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent borrowers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000, for an owner occupied home loan with principal & interest repayments. The discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR) as follows:
Discount 1 - For loans with an LVR of less than 80%, a discount of 0.73% is deducted from the Tier 4 Premium Plus Package Variable Rate
Discount 2 - For loans with an LVR of 80% and up to less than 90%, a discount of 0.53% is deducted from the Tier 4 Premium Plus Package Variable Rate
Terms and conditions, fees and charges apply.

^~~For new borrowers applying for a Premium Plus Package Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000 and a Loan to Valuation Ratio (LVR) of less than 80%, a discount of 0.20% will be deducted from the Tier 4 Premium Plus Package Variable Rate. Existing Newcastle Permanent borrowers are eligible to receive the discount if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000 for an investment purpose home loan with principal and interest based repayments and with an LVR of less than 80%. Terms and conditions, fees and charges apply.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Real Deal Home Loan	Interest Rate	Comparison Rate*
Discounted Real Deal^	4.40%p.a.	4.62%p.a.
Real Deal	4.65%p.a.	4.69%p.a.

* 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.

^{^} 3 year discount of 0.25%p.a. off the Real Deal variable interest rate (Principal & Interest or Interest Based repayments). Rate reverts to Real Deal variable interest rate at end of 3 year discount period. Offer available for new mortgage owner occupied home loan applications. Terms and Conditions apply.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Premium Variable Home Loan	Interest Rate	Comparison Rate*
Premium Variable	5.27%p.a.	5.27%p.a.

* 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 25/09/2017 and are subject to change without notice.

Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

Compare our home loans

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

Fixed Rate Home Loan	Premium Plus Package	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 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
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 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
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 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 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
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 Up to 95% of the value of the property for owner occupied. Lower LVRs apply to Investment and Interest based loans.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Lower LVRs apply to Investment and Interest based loans.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Lower LVRs apply to Investment and Interest based loans.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Lower LVRs apply to Investment and Interest based loans.	Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied. Lower LVRs apply to Investment and 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 $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 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.

More home loan products

Here’s some information for you:

^{^^} For a limited time we will be offering a special discount (currently at 0.10% p.a.) off the standard Fixed Interest Rate for Owner Occupied Fixed Rate Home Loans with repayments (Principal & Interest or Interest Based) approved from 18 September 2017. To be eligible for the discount, the Fixed Rate Home Loan must settle within 60 days of the day we approve your loan. If the loan settles after the 60 day period, the standard Fixed Interest Rate for that loan term with no discount will apply. The discount is applicable to the fixed term of your loan only. Terms and conditions, fees and charges apply.

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.

Interest rates effective as of 25/09/2017 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.

Featured product

Fixed Rate Home Loan

Special 2 Year Fixed Rate^^

Comparison rate

Award-winning home loans

Home Loan Overview

Fixed Rate Home Loan overview

Home Loan Guides

Home Loan tools

Tools and Calculators

Home Loan Calculators

Select a calculator

How much can I borrow?

Income (before tax)

Applicant 1

Investment income e.g. rental income

Other income

Applicant 2

Investment income e.g. rental income

Other income

Expenses

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

You could borrow up to

What will my repayments be?

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Initial repayments at 0.00% p.a.

Repayments at 0.00% p.a.

Extra monthly repayments

$0

How much can I borrow based on preferred repayments?

You could borrow up to

Interest Rates

Popular home loans

Home Loan Comparison

Compare our home loans

More home loan products

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Special 2 Year Fixed Rate^{^^}