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BSB 650 000

Lock in a low home loan rate

1.89
%
P.A.
2 Year Premium Plus Package Fixed Rate - Special#
3.67
%
P.A.
Comparison rate *
Find out more

Owner occupied with principal and interest repayments, LVR ≤ 80%. Reverts to Premium Plus Package Tier 4 variable interest rate at end of Fixed Rate period.

$2,000 cashback for switching your home loan^

  • Smile icon $2,000 cashback for new refinanced loans^
  • Cash icon Minimum loan $250,000 & LVR ≤80%
  • building icon For owner occupied and investment home loans
  • moneybag icon Paid into your Everyday Account
Cashback Terms and Conditions.

Premium Plus Package Fixed Rate

Enjoy life with one of our lowest fixed rates and the certainty of knowing what your repayments will be. Our Premium Plus Package Fixed Rate Home Loan is available for new home buyers, refinancers and investors with a Loan to Value Ratio (LVR) of up to 95%. And at the end of your fixed rate period, your loan will revert to our Premium Plus Package Tier 4 variable interest rate.

The Premium Plus Package Fixed Rate home loan gives you the ability to make additional repayments up to $25,000 per year, and offers discounts to save you money.

  • access icon Need cash? Ability to redraw money if you are ahead in your loan repayments.
  • Better value banking icon Flexibility Choose from weekly, fortnightly or monthly repayments.
  • Community support icon Split it your way Divide your loan between fixed and variable rates at no additional cost.
  • chat Chat with a local Our local branches and call centre are ready to help you.

"Based on interest rates, products and flexibility, Newcastle Permanent was way ahead of the other banks for us." -Molly and Michael.

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Invest with confidence

We’ve won an award for doing right by our customers and offering a home loan that provides investors with real value. That’s not bad.

Grow your property portfolio and get ahead with our Premium Plus Package Fixed Rate.

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2021 RateCity Gold awards

Features

  • Why Premium Plus

    Features

    The Premium Plus home loan packages offer a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus package product.

    Optional benefits

    You can maximise your Premium Plus Package and apply for a range of additional benefits:

    Give our friendly staff a call on 13 19 87 or visit your local branch to take advantage of these options.



    Important information about Premium Plus Package
    A $395 annual Premium Plus Package fee applies. Package benefits for a product or service described above are only available where the product is in the same name as the package holder, and only available while you hold an active Premium Plus Package.
    Home, Contents, Landlord and Motor Vehicle Insurances are arranged by Newcastle Permanent Building Society Limited and are issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz). Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement and key fact sheets, available on this website, by calling 13 19 87 or from any branch. In arranging these insurances, Newcastle Permanent Building Society Limited acts under its own AFS Licence and as agent for Allianz under an agreement with Allianz. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details or see our Financial Services Guide before we provide you with services.
    Current Premium Plus Package Customers are eligible for an ongoing premium discount when they buy a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

  • Fixed loan features

    Discounts and features

    The Premium Plus Package Fixed Rate home loan gives you the ability to make additional repayments up to $25,000 per year, and offers discounts to save you money.

    Minimum Loan Amount No Minimum
    Maximum Loan Term 30 Years
    Redraw Facility Yes
    Repayment Holiday Yes
    Repayment Frequency Monthly, fortnightly or weekly
    Repayment Options Principal and interest or interest only
    Split loan Yes
    Interest Offset Account No
    Mortgage Portability 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 only loans.

  • Featured interest rates & fees

    1 Year Premium Plus Package Fixed Rate - Special~ 1.89%p.a. 3.81%p.a.
    1 Year Premium Plus Package Fixed Rate 2.19%p.a. 3.83%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 1.89%p.a. 3.67%p.a.
    2 Year Premium Plus Package Fixed Rate 2.19%p.a. 3.72%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 2.09%p.a. 3.58%p.a.
    3 Year Premium Plus Package Fixed Rate 2.39%p.a. 3.66%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 2.29%p.a. 3.54%p.a.
    4 Year Premium Plus Package Fixed Rate 2.59%p.a. 3.64%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 2.59%p.a. 3.57%p.a.
    5 Year Premium Plus Package Fixed Rate 2.89%p.a. 3.69%p.a.
    7 Year Premium Plus Package Fixed Rate - Special~ 3.99%p.a. 4.18%p.a.
    7 Year Premium Plus Package Fixed Rate 4.09%p.a. 4.23%p.a.
    10 Year Premium Plus Package Fixed Rate - Special~ 3.99%p.a. 4.24%p.a.
    10 Year Premium Plus Package Fixed Rate 4.09%p.a. 4.31%p.a.
    Interest rates effective as of 30/07/2021 and are subject to change without prior notice.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.
    #Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    1 Year Premium Plus Package Fixed Rate Investment - Special~ 2.39%p.a. 4.15%p.a.
    1 Year Premium Plus Package Fixed Rate Investment 2.69%p.a. 4.18%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Special~ 2.39%p.a. 4.02%p.a.
    2 Year Premium Plus Package Fixed Rate Investment 2.69%p.a. 4.07%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Special~ 2.59%p.a. 3.95%p.a.
    3 Year Premium Plus Package Fixed Rate Investment 2.89%p.a. 4.03%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Special~ 2.79%p.a. 3.92%p.a.
    4 Year Premium Plus Package Fixed Rate Investment 3.09%p.a. 4.02%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Special~ 3.09%p.a. 3.96%p.a.
    5 Year Premium Plus Package Fixed Rate Investment 3.39%p.a. 4.08%p.a.
    7 Year Premium Plus Package Fixed Rate Investment - Special~ 4.09%p.a. 4.39%p.a.
    7 Year Premium Plus Package Fixed Rate Investment 4.19%p.a. 4.44%p.a.
    10 Year Premium Plus Package Fixed Rate Investment - Special~ 4.09%p.a. 4.41%p.a.
    10 Year Premium Plus Package Fixed Rate Investment 4.19%p.a. 4.48%p.a.
    Interest rates effective as of 30/07/2021 and are subject to change without prior notice.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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.
    #Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    Annual Fee $395 per annum
    Establishment fee Nil
    Monthly Fee Nil

    Mortgage Fees & Charges - PDF 113kb  
    Break Costs and Fixed Interest Rate Guide- PDF 189kb  
    Get the facts with our Home Loan Key Facts Sheet.

    View all home loan interest rates

Tips on saving through to settlement

Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
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 only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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 30/07/2021 and are subject to change without prior notice.
#Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *30/09/21 and funded by 30/11/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday Account. Only one (1) Cashback Payment per eligible loan. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Terms and conditions.