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$2,000 cashback for switching your home loan - offer extended^

  • 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 account

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.

Help with your home loan

Our local lenders are here to guide you through the process of buying a home from start to finish. Available over the phone or in person, you can get the specialist help you need without leaving your house.

Save yourself the time and stress and make an appointment today.


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. 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 26/10/2021 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 *17/12/21 and funded by 28/02/22. $2,000 Cashback will be deposited after settlement to an eligible NPBS deposit 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.