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BSB 650 000

Premium Plus Package Credit Facility

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

Enquire now Compare Home Loans
  • interest rates icon Competitive interest rates
  • Personal Loans $0 application fee for Personal and Car Loans
  • Credit Card $0 annual Value+ Credit Card Fee
  • Insurance Insurance discounts

Premium Plus Package Credit Facility

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 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!

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Tools and Calculators

  • Home Loan Calculators

    Select a calculator

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

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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.

    



                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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    You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre team. 
    

    With many customers now choosing contactless ways of banking, you will find these branches open on a Saturday morning: Waratah, Wallsend, Greenhills, Charlestown Square, Raymond Terrace, Glendale, Kotara, Mount Hutton, Swansea, Erina, and Tuggerah.
    

    

    






    

    
    

        
    

            
    
                

                
    
                    
                
    
            
    

            
    
                

                
    
                    
    
                        
                        
                    
    
                
    
            
    
        
    

        
    

            
    

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    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