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Premium Plus Package Fixed

2 year packaged fixed rate LVR 80% and below 6.29 %# p.a.
Comparison rate 7.82 %* p.a.
For owner occupied, principal & interest loans, with LVR ≤80%.

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 Variable Rate Home Loan 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.

Calculators Interest rates

Need cash?

Ability to redraw money if you are ahead in your loan repayments.

Flexibility

Choose from weekly, fortnightly or monthly repayments.

Split it your way

Divide your loan between fixed and variable rates at no additional cost.

Chat with a local

Our local branches and call centre are ready to help you.

Up to $3,000 cashback^

By applying for a new purchase or refinancing with us online.

Save money and time.

Get your application underway in just 15 minutes.

Give paperwork the flick.

Less life admin means more time for the stuff that matters.

Go with the pros.

We've got you covered every step of the way.

Online Cashback Offer Terms and Conditions

Apply online

Features

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.

Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

Eligibility

You are eligible to receive these benefits if you have a:

Optional benefits

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

Value+ Credit Card

has no annual fee.

Learn more

Personal Loans

application fee waived.

Learn more

Insurance

offers up to a 10% discount on home and contents, and landlord insurance, and up to 5% on comprehensive car insurance.

Learn more

Apply now

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.


Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz), acting under our own AFSL. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. 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 Website Disclosure Information before we provide you with services.


Premium Plus Package customers are eligible for an ongoing premium discount when purchasing 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 discount, each of them is applied 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.

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.

Lock in a great fixed rate

Our Rate Lock option allows you to lock in our current advertised rate, protecting you for 90 days against potential interest rate increases while you work toward settling your loan, helping to make your home buying journey just that little bit easier.
Read our Rate Lock FAQs to find out more.

Minimum loan amount No minimum
Maximum loan term 30 years
Additional repayments You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info
Redraw facility Redraw available on application, up to $25,000 per calendar year, with minimum redraw amount of $500
Repayment frequency Monthly, fortnightly or weekly
Repayment holiday Yes
Repayment options Principal & interest or interest only
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate
Rate Lock Option available for a fee
100% Interest offset account Not available
Mortgage portability Yes
Maximum Loan to Value Ratio (LVR) Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest Only loans
Rates are effective as at 9am Monday 22/06/2026 and are subject to change without prior notice.
Premium Plus Package Fixed Rate Home Loan# LVR 80% and below
(Special)
 Comparison rate*
(Special)
 LVR above 80% Comparison rate*

1 Year Fixed

 6.29% p.a. 7.97% p.a. 6.39% p.a. 7.98% p.a.

2 Years Fixed

 6.29% p.a. 7.82% p.a. 6.39% p.a. 7.84% p.a.

3 Years Fixed

 6.39% p.a. 7.71% p.a. 6.49% p.a. 7.74% p.a.

4 Years Fixed

 6.49% p.a. 7.63% p.a. 6.59% p.a. 7.67% p.a.

5 Years Fixed

 6.49% p.a. 7.54% p.a. 6.59% p.a. 7.58% p.a.

 

Rates are for owner occupied loan with Principal & Interest repayments.

See all interest rates.

Rates are effective as at 9am Monday 22/06/2026 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

 6.39% p.a. 8.27% p.a. 6.49% p.a. 8.29% p.a.

2 Years Fixed

 6.39% p.a. 8.10% p.a. 6.49% p.a. 8.12% p.a.

3 Years Fixed

 6.49% p.a. 7.97% p.a. 6.59% p.a. 8.00% p.a.

4 Years Fixed

 6.59% p.a. 7.87% p.a. 6.69% p.a. 7.91% p.a.

5 Years Fixed

 6.59% p.a. 7.76% p.a. 6.69% p.a. 7.80% p.a.
Annual fee $395 per annum
Establishment fee Nil
Monthly fee Nil

Mortgage fees and charges - PDF 113kb

Break costs and fixed interest rate guide - PDF 189kb

Get the facts with our Home Loan Key Facts Sheet.

All interest rates

Ready to apply online?

We’ve made it easy and secure so you can get straight to it. Keep some ID handy and your internet banking details to really speed up the process knowing that we never see or store this information.

Save money and time. Apply in under 15 minutes and give paperwork the flick.
Ideal for refinancing or buying a new home.
Your details are protected by secure technology.

Apply now

Prefer to speak to a lender?

We get it. Sometimes you need that personal touch to help with your unique circumstances. Backed by more than 100 years of experience, we’re here to help every step of the way.

Speak to one of our experts in person or over the phone at a time that suits you.
Great for those wanting assistance with an existing loan.
We make home loans easy with our award-winning products and service.

Speak to a lender

Local lender Newcastle

Home loans with a personal touch

Tap into the resource of your local lender. Get expert advice based on your unique circumstances while securing a great rate at an award-winning bank.

Your friendly lender is available in person or over the phone. Make your appointment today.

Find a local lender

Most popular home loans

Real Deal Home Loan

One of our best rates, includes redraw and allows additional repayments.

Learn more

Premium Plus Package Fixed

A fixed rate package home loan with many additional perks like redraw and discounts on other products.

Learn more

Premium Plus Package Variable

A variable rate package home loan with fee free redraw and a 100% offset account.

Learn more

Fixed Rate Home Loan

Lock in your repayments with a fixed rate, with options up to 5 years.

Learn more

When we win, you win.

Winner - Customer-Owned Bank of the Year — Home Loan Refinance

Canstar | 2025

 

Winner - Exceptional Value Home Lender

Mozo | 2025

 

Mozo People's Choice 2025 - Most Recommended

Winner - Most Recommended

Mozo | 2025

 

Bank of the Year - Customer Service

Money magazine | 2025

 

Visit the trophy room

Tips on saving through to settlement

 

Next step:

No matter where you are in your journey, we're here and ready to help!

Apply online

Complete an online home loan application in under 15 minutes.

Apply now

Lender enquiry

Get in contact with a home loan specialist for assistance on your journey.

Speak to a lender

Locate a lender

Tap into the resource of your expert local lender for a personal touch.

Find a local lender

Fees and charges apply. Applications are subject to credit approval. Loan Terms and Conditions are provided with loan offers and available here. 

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 Variable interest rate (previously known as the Variable Rate Tier 4) at the end of the Fixed Rate period.

##Premium Plus Package Investment Fixed Rate reverts to Premium Plus Package Variable Investment (previously known as the Variable Rate Tier 4) variable interest rate at the end of the Fixed Rate period.

^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,500 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions

The Canstar 2025 Home Loan Refinance Award was received in November, 2025 for the Customer-Owned Bank of the Year - Home Loan Refinance.

Find more information on the Mozo Experts Choice Awards 2025 and Mozo People's Choice Awards 2024 and 2025 awards research methodology at Mozo.