Premium Plus Package Credit Facility

Our Premium Plus Package Loans offer some of our lowest rate home loans with loads of extra benefits.

Competitive interest rates
$0 application fee for Personal and Car Loans
$0 annual Value+ Credit Card Fee
Insurance discounts

Premium Plus Package Tier 4

4.14

%

P.A.

Our Premium Plus Package Credit Facility provides direct access to the equity in your home so you can use it to help build wealth with loads of extra benefits.

A variable rate credit facility that’s secured against your home
Combines your home loan and everyday account into one convenient package
Some of the most competitive rates in Australia

$0 application fee for Personal and Car Loans
Only pay interest on your debit balance
$0 annual Value+ Credit Card Fee
Discounts and benefits available on other products

Premium Plus Package Credit Facility Overview

Our Premium Plus Package Credit Facility provides direct access to the equity in your home so you can use it to help build wealth
with loads of extra benefits.

Premium Plus Package - Credit Facility**	Interest Rate
Premium Plus Package Tier 4	4.14%p.a.
Premium Plus Package Tier 3	4.19%p.a.
Premium Plus Package Tier 2	4.29%p.a.
Premium Plus Package Tier 1	4.34%p.a.

Annual Fee	A $395 annual package fee applies.
Establishment fee	Nil
Monthly Fee	Nil

Minimum Loan Amount	No Minimum
Maximum Loan Term	N/A
Additional Repayments	Yes
Redraw Facility	N/A
Repayment Holiday	Yes
Repayment Frequency	There are no set repayments provided you keep under your approved credit limit.
Split loan	Yes
Interest Offset Account	N/A
Mortgage Portability	Yes
Maximum Loan to Value Ratio	Up to 80% of the value of the property.

Packaged with a range of discounts and benefits available on other products including insurance discounts and fee discounts on other Newcastle Permanent loan products.

Mortgage Fees & Charges - PDF 113kb

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

Enquire now

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.

Premium Plus Package Variable Rate	Fixed Rate Home Loan	Premium Plus Package Fixed Rates	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 packaged loan with exclusive benefits	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	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 Variable	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
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 100%	Mortgage Offset Account No	Mortgage Offset Account No	Mortgage Offset Account 100%	Mortgage Offset Account Partial	Mortgage Offset Account Partial	Mortgage Offset Account N/A	Mortgage Offset Account N/A
Redraw Yes	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	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 Nil	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 $395 p.a.	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.

Home Loan Guides
How we can help

Buying your first home

Renovating or building

Refinancing your home loan

Our home loans

Get in touch

Call 13 19 87
Make an enquiry
Find a local branch

Find a local branch or ATM

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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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, 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.

^** 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 Plus Package Credit Facility

Our Premium Plus Package Loans offer some of our lowest rate home loans with loads of extra benefits.