Fixed Rate Home Loan ## | LVR 80% and below (Special) |
Comparison rate* (Special) |
LVR above 80% | Comparison rate* |
---|---|---|---|---|
1 Year Fixed | 5.69% p.a. | 7.79% p.a. | 5.79% p.a. | 7.80% p.a. |
2 Years Fixed | 5.49% p.a. | 7.52% p.a. | 5.59% p.a. | 7.54% p.a. |
3 Years Fixed | 5.49% p.a. | 7.30% p.a. | 5.59% p.a. | 7.33% p.a. |
4 Years Fixed | 5.69% p.a. | 7.18% p.a. | 5.79% p.a. | 7.21% p.a. |
5 Years Fixed | 5.69% p.a. | 7.01% p.a. | 5.79% p.a. | 7.05% p.a. |
References to "LVR" mean Loan to Value 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.
##Fixed Rate Home Loan reverts to the Real Options Home Loan at the end of the Fixed Rate period.
Premium Plus Package Fixed Rate Home Loan# | LVR 80% and below (Special) |
Comparison rate* (Special) |
LVR above 80% | Comparison rate* |
---|---|---|---|---|
1 Year Fixed |
5.59% p.a. | 7.46% p.a. | 5.69% p.a. | 7.47% p.a. |
2 Years Fixed |
5.39% p.a. | 7.25% p.a. | 5.49% p.a. | 7.27% p.a. |
3 Years Fixed |
5.39% p.a. | 7.08% p.a. | 5.49% p.a. | 7.11% p.a. |
4 Years Fixed |
5.59% p.a. | 7.00% p.a. | 5.69% p.a. | 7.04% p.a. |
5 Years Fixed |
5.59% p.a. | 6.88% p.a. | 5.69% p.a. | 6.92% p.a. |
References to "LVR" mean Loan to Value 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.
#Premium Plus Package Fixed Rate reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
Premium Plus Package Owner Occupied Specials*** | LVR 80% and below (Discount 1) |
Comparison rate* (Discount 1) |
LVR above 80% (Discount 2) |
Comparison rate* (Discount 2) |
---|---|---|---|---|
Premium Plus Package | 5.64% p.a. | 5.99% p.a. | 6.60% p.a. | 6.93% p.a. |
Premium Plus Package Variable Rate Home Loan** |
Interest rate | Comparison rate* |
---|---|---|
Premium Plus Package Variable Rate Tier 4 | 7.32% p.a. | 7.64% p.a. |
Premium Plus Package Variable Rate Tier 3 | 7.37% p.a. | 7.69% p.a. |
Premium Plus Package Variable Rate Tier 2 |
7.47% p.a. | 7.79% p.a. |
Premium Plus Package Variable Rate Tier 1 |
7.52% p.a. | 7.84% p.a. |
References to "LVR" mean Loan to Value 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.
***Premium Plus Package Variable Rate Discounted interest rates are 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 customers are eligible to receive the discounted interest rate if:
Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000
Premium Variable Home Loan | Interest rate | Comparison rate* |
---|---|---|
Premium Variable | 8.22% p.a. | 8.22% p.a. |
References to "LVR" mean Loan to Value 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.
Real Deal Home Loan - Special** | LVR 80% and below (Special 1) |
Comparison rate* (Special 1) |
LVR above 80% (Special 2) |
Comparison rate* (Special 2) |
---|---|---|---|---|
Real Deal - Special | 5.49% p.a. | 5.53% p.a. | 6.24% p.a. | 6.28% p.a. |
Real Deal Home Loan | Interest Rate | Comparison Rate* |
---|---|---|
Discounted Real Deal^ |
7.35% p.a. | 7.57% p.a. |
Real Deal |
7.60% p.a. | 7.65% p.a. |
**Real Deal At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (LVR). Currently, the LVR requirements are as follows:
References to "LVR" mean Loan to Value 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.
^Discounted Real Deal variable rate home loan is available for new owner occupied home loans and applies for a period of 3 years. After 3 years, the loan will revert to a standard Real Deal variable rate home loan.
Real Options Home Loan | Interest rate | Comparison rate* |
---|---|---|
Real Options | 8.00% p.a. | 8.05% p.a. |
References to "LVR" mean Loan to Value 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.
Fixed Rate Home Loan ## | LVR 80% and below (Special) |
Comparison rate* (Special) |
LVR above 80% | Comparison rate* |
---|---|---|---|---|
1 Year Fixed - Interest Only | 6.09% p.a. | 7.84% p.a. | 6.29% p.a. | 7.86% p.a. |
2 Years Fixed - Interest Only | 5.89% p.a. | 7.61% p.a. | 6.09% p.a. | 7.65% p.a. |
3 Years Fixed - Interest Only | 5.89% p.a. | 7.43% p.a. | 6.09% p.a. | 7.49% p.a. |
4 Years Fixed - Interest Only | 6.09% p.a. | 7.34% p.a. | 6.29% p.a. | 7.41% p.a. |
5 Years Fixed - Interest Only | 6.09% p.a. | 7.21% p.a. | 6.29% p.a. | 7.29% p.a. |
At the current time, to be eligible for any Fixed Rate Home Loan with Interest Only repayments an LVR of less than 90% will be required.
References to "LVR" mean Loan to Value 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.
##Fixed Rate Home Loan reverts to the Real Options Home Loan at the end of the Fixed Rate period.
Premium Plus Package Fixed Rate Home Loan# | LVR 80% and below (Special) |
Comparison rate* (Special) |
LVR above 80% | Comparison rate* |
---|---|---|---|---|
1 Year Fixed - Interest Only |
5.99% p.a. | 7.50% p.a. | 6.19% p.a. | 7.52% p.a. |
2 Years Fixed - Interest Only |
5.79% p.a. | 7.32% p.a. | 5.99% p.a. | 7.36% p.a. |
3 Years Fixed - Interest Only |
5.79% p.a. | 7.19% p.a. | 5.99% p.a. | 7.25% p.a. |
4 Years Fixed - Interest Only |
5.99% p.a. | 7.14% p.a. | 6.19% p.a. | 7.21% p.a. |
5 Years Fixed - Interest Only |
5.99% p.a. | 7.05% p.a. | 6.19% p.a. | 7.13% p.a. |
At the current time, to be eligible for any Fixed Rate Home Loan with Interest Only repayments an LVR of less than 90% will be required.
References to "LVR" mean Loan to Value 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.
#Premium Plus Package Fixed Rate reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
Premium Plus Package Owner Occupied Specials*** | LVR 80% and below (Discount 1) |
Comparison rate* (Discount 1) |
LVR above 80% (Discount 1) |
Comparison rate* (Discount 1) |
---|---|---|---|---|
Premium Plus Package - Interest Only | 6.15% p.a. | 6.18% p.a. | 7.14% p.a. | 7.15% p.a. |
Premium Plus Package Variable Rate Home Loan** |
Interest rate | Comparison rate* |
---|---|---|
Premium Plus Package Variable Rate Tier 4 - Interest Only | 7.81% p.a. | 7.84% p.a. |
Premium Plus Package Variable Rate Tier 3 - Interest Only | 7.86% p.a. | 7.89% p.a. |
Premium Plus Package Variable Rate Tier 2 - Interest Only |
7.96% p.a. | 7.99% p.a. |
Premium Plus Package Variable Rate Tier 1 - Interest Only |
8.01% p.a. | 8.04% p.a. |
References to "LVR" mean Loan to Value 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.
***Premium Plus Package Variable Rate Discount Discounted interest rates are available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with interest only repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:
Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
At the end of the Interest Only period, the loan will revert to the relevant owner occupied Premium Plus Package Home Loan interest rate with principal and interest repayments.
** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000
Premium Variable Home Loan | Interest rate | Comparison rate* |
---|---|---|
Premium Variable - Interest Only | 8.71% p.a. | 8.45% p.a. |
References to "LVR" mean Loan to Value 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.
Real Deal Home Loan - Special** |
LVR 80% and below |
Comparison rate* (Special 1) |
LVR above 80% (Special 2) |
Comparison rate* (Special 2) |
---|---|---|---|---|
Real Deal - Special - Interest Only | 5.69% p.a. | 5.61% p.a. | 6.59% p.a. | 6.43% p.a. |
Real Deal Home Loan | Interest Rate | Comparison Rate* |
---|---|---|
Discounted Real Deal^ - Interest Only |
7.84% p.a. | 7.72% p.a. |
Real Deal - Interest Only |
8.09% p.a. | 7.86% p.a. |
**Real Deal Interest Only At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for an owner occupied home with interest only repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (LVR). Currently, the LVR requirements are as follows:
At the end of the Interest Only period, the loan will revert to the relevant owner occupied Real Deal Home Loan interest rate with principal and interest repayments.
References to "LVR" mean Loan to Value 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.
^Discounted Real Deal variable rate home loan is available for new owner occupied home loans and applies for a period of 3 years. After 3 years, the loan will revert to a standard Real Deal variable rate home loan.
Real Options Home Loan | Interest rate | Comparison rate* |
---|---|---|
Real Options - Interest Only | 8.49% p.a. | 8.27% p.a. |
References to "LVR" mean Loan to Value 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.
Bridging Loan^ | Interest rate | Comparison rate** |
---|---|---|
1 Year Fixed | 6.49% p.a. | 6.53% p.a. |
Fees and charges apply. Applications are subject to credit approval. Loan Terms and Conditions are provided with loan offers and available here.
^Bridging loan The maximum term for a Bridging Loan is 12 months. If you can’t sell your current property within 12 months of funding the Bridging Loan we may treat this as default of the loan terms and take action to ensure the sale of the property. You may be required to pay a 2% higher rate until the default is resolved.
*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.
Premium Plus Package - Credit Facility** | Interest rate |
---|---|
Premium Plus Package Tier 4 |
7.89% p.a. |
Premium Plus Package Tier 3 |
7.94% p.a. |
Premium Plus Package Tier 2 |
8.04% p.a. |
Premium Plus Package Tier 1 |
8.09% p.a. |
References to "LVR" mean Loan to Value 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.
** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000
Real Equity Credit Facility | Interest rate |
---|---|
Real Equity Credit Facility | 8.69% p.a. |
References to "LVR" mean Loan to Value 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.
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