Skip to Main Content

Investor principal and interest repayments

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Fixed Rate Investment Home Loan # LVR 80% and below
(Special)
 Comparison rate*
(Special)
 LVR above 80% Comparison rate*
1 Year Fixed 5.79% p.a. 8.10% p.a. 5.89% p.a. 8.11% p.a.
2 Years Fixed  5.59% p.a. 7.81% p.a. 5.69% p.a. 7.83% p.a.
3 Years Fixed 5.59% p.a. 7.57% p.a. 5.69% p.a. 7.59% p.a.
4 Years Fixed 5.79% p.a. 7.42% p.a. 5.89% p.a. 7.46% p.a.
5 Years Fixed 5.79% p.a. 7.24% p.a. 5.89% p.a. 7.28% 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.

#Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Premium Plus Package Fixed Rate Investment Home Loan## LVR 80% and below
(Special)
 Comparison rate*
(Special)
 LVR above 80% Comparison rate*

1 Year Fixed

 5.69% p.a. 7.76% p.a. 5.79% p.a. 7.77% p.a.

2 Years Fixed

 5.49% p.a. 7.53% p.a. 5.59% p.a. 7.55% p.a.

3 Years Fixed

 5.49% p.a. 7.34% p.a. 5.59% p.a. 7.37% p.a.

4 Years Fixed

 5.69% p.a. 7.24% p.a. 5.79% p.a. 7.28% p.a.

5 Years Fixed

 5.69% p.a. 7.10% p.a. 5.79% p.a. 7.14% 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 Investment Fixed Rate reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Premium Plus Package Investment Specials~ LVR 80% and below Comparison rate* LVR above 80% Comparison rate*
Premium Plus Package 5.84% p.a. 6.18% p.a. 6.84% p.a. 7.17% p.a.
Premium Plus Package Home Loan**
 Interest rate Comparison rate*
Premium Plus Package Variable Rate Tier 4 Investment 7.66% p.a. 7.98% p.a.
Premium Plus Package Variable Rate Tier 3 Investment 7.71% p.a. 8.03% p.a.

Premium Plus Package Variable Rate Tier 2 Investment

 7.81% p.a. 8.13% p.a.

Premium Plus Package Variable Rate Tier 1 Investment

 7.86% p.a. 8.18% 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 Investment Discounted interest rates are available for new borrowers applying for a Premium Plus Package Variable Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:

  • They have a Premium Plus Package Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
  • They convert an existing Newcastle Permanent loan to a Premium Plus Package Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings.

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:

  • Discount 1 - For loans with an LVR of less than or equal to 80%, a discount of 1.82% is deducted from the Premium Plus Package Variable Rate Tier 4 Investment.
  • Discount 2 - For loans with an LVR of greater than 80% and less than 95%, a discount of 0.82% is deducted from the Premium Plus Package Variable Rate Tier 4 Investment.

** 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

Currently, (irrespective of the combined loan balance at the time of borrowing) for borrowers applying for a Premium Plus Package Variable Rate Home Loan for investment purposes with principal and interest repayments the Tier 2 Premium Plus Package Variable rate will be made available for loans with an LVR of equal to or greater than 80% and less than 95%. Terms and conditions, fees and charges apply.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Premium Variable Investment Home Loan Interest rate Comparison rate*
Premium Variable 8.56% p.a. 8.56% 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.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Real Deal Home Loan - Investment - Special*** LVR 80% and below
(Special 1)
 Comparison rate*
(Special 1)		 LVR above 80%
(Special 2)
 Comparison rate*
(Special 2)
Real Deal Investment - Special 5.69% p.a. 5.73% p.a. 6.34% p.a. 6.38% p.a.
Real Deal Home Loan Interest Rate Comparison Rate*

Real Deal Investment

 7.94% p.a. 7.99% p.a.

*** Real Deal Investment At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes 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:

  • They have a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
  • They convert an existing Newcastle Permanent loan to a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings.

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:

  • Special 1 - For loans with an LVR of less than or equal to 80%, a discount of 2.25% is deducted from the Real Deal Investment Home Loan interest rate.
  • Special 2 - For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.60% is deducted from the Real Deal Investment Home Loan interest rate.

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.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Real Options Investment Home Loan Interest rate Comparison rate*
Real Options 8.34% p.a. 8.39% 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.

Investor interest only repayments

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Fixed Rate Investment Home Loan # LVR 80% and below
(Special)
 Comparison rate*
(Special)
 LVR above 80% Comparison rate*
1 Year Fixed - Interest Only 5.89% p.a. 8.12% p.a. 5.99% p.a. 8.13% p.a.
2 Years Fixed - Interest Only 5.69% p.a. 7.84% p.a. 5.79% p.a. 7.86% p.a.
3 Years Fixed - Interest Only 5.69% p.a. 7.61% p.a. 5.79% p.a. 7.64% p.a.
4 Years Fixed - Interest Only 5.89% p.a. 7.48% p.a. 5.99% p.a. 7.51% p.a.
5 Years Fixed - Interest Only 5.89% p.a. 7.31% p.a. 5.99% p.a. 7.35% 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.

#Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Premium Plus Package Fixed Rate Investment Home Loan## LVR 80% and below
(Special)		 Comparison rate*
(Special)
 LVR above 80% Comparison rate*

1 Year Fixed - Interest Only

 5.79% p.a. 7.77% p.a. 5.89% p.a. 7.78% p.a.

2 Years Fixed - Interest Only

 5.59% p.a. 7.55% p.a. 5.69% p.a. 7.57% p.a.

3 Years Fixed - Interest Only

 5.59% p.a. 7.37% p.a. 5.69% p.a. 7.40% p.a.

4 Years Fixed - Interest Only

 5.79% p.a. 7.28% p.a. 5.89% p.a. 7.31% p.a.

5 Years Fixed - Interest Only

 5.79% p.a. 7.15% p.a. 5.89% p.a. 7.19% 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 Investment Fixed Rate reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Premium Plus Package Investment Specials## LVR 80% and below Comparison rate* LVR above 80% Comparison rate*
Premium Plus Package - Interest Only 6.08% p.a. 6.26% p.a. 6.94% p.a. 7.19% p.a.
Premium Plus Package Investment Home Loan**
 Interest rate Comparison rate*
Premium Plus Package Variable Rate Tier 4 Investment - Interest Only 8.11% p.a. 8.16% p.a.
Premium Plus Package Variable Rate Tier 3 Investment - Interest Only 8.16% p.a. 8.21% p.a.

Premium Plus Package Variable Rate Tier 2 Investment - Interest Only

 8.26% p.a. 8.31% p.a.

Premium Plus Package Variable Rate Tier 1 Investment - Interest Only

 8.31% p.a. 8.36% 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 Investment Discounted interest rates are available for new borrowers applying for a Premium Plus Package Variable Home Loan for investment purposes with interest only repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:

  • They have a Premium Plus Package Home Loan for investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings; or
  • They convert an existing Newcastle Permanent loan to a Premium Plus Package Home Loan for investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings.

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:

  • Discount 1 - For loans with an LVR of less than or equal to 80%, a discount of 2.03% is deducted from the Premium Plus Package Tier 4 Investment – Interest Only interest rate.
  • Discount 2 - For loans with an LVR of greater than 80% and less than 90%, a discount of 1.17% is deducted from the Plus Package Tier 4 Investment – Interest Only interest rate.

At the end of the Interest Only period, the loan will revert to the relevant Premium Plus Package Home Loan interest rate for investment purposes 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

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Real Deal Home Loan - Investment - Special## LVR 80% and below
(Special 1)
 Comparison rate*
(Special 1)		 LVR above 80%
(Special 2)
 Comparison rate*
(Special 2)
Real Deal Investment Special - Interest Only 5.94% p.a. 5.83% p.a. 6.64% p.a. 6.51% p.a.
Real Deal Home Loan Interest Rate Comparison Rate*

Real Deal Investment - Interest Only

 8.39% p.a. 8.19% p.a.

## Real Deal Investment Interest Only At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes 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:

  • They have a Real Deal Home Loan for investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings; or
  • They convert an existing Newcastle Permanent loan to a Real Deal Home Loan for investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings.

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:

  • Special 1 – For loans with an LVR of less than or equal to 80%, a discount of 2.45% is deducted from the Real Deal Home Loan for investment purposes – Interest Only interest rate.
  • Special 2 – For loans with an LVR of greater than 80%, and less than 90%, a discount of 1.75% is deducted from the Real Deal Home Loan for investment purposes – Interest Only interest rate.

At the end of the Interest Only period, the loan will revert to the relevant Real Deal Home Loan interest rate for investment purposes with principal and interest repayments.

Terms and conditions, fees and charges apply.

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.

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
Real Options Investment Home Loan Interest rate Comparison rate*
Real Options - Interest Only 8.79% p.a. 8.59% 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.

Credit facilities

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
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

Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.
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.

Can't find what you're looking for? Refer to the Products no longer available for sale.