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BSB 650 000

Have you seen our new low rate? 

2.39
%
P.A.
Premium Plus Package
3 Year Fixed Rate#
3.66
%
P.A.
Comparison rate*
Enquire now

Owner occupied home loans with principal and interest repayments.

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.

Buying a house is such a massive commitment, but there were no hidden catches with Newcastle Permanent.

Talk to a lender

Calculators and features

  • How much can I borrow?

    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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      What will my repayments be?
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
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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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                                        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 based loans.
                            
                    
    
                
                
            
                        
                    
    
                
        


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        Interest rates & fees 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            
    
      
    
   
            

            
    
                
                
    
                    
    
                        
            
                    
    
                
            
                    
                            
                                
    
                                    
                            
                        
                            
                        
                            
                        
                                
    
                                
                        
                
            
                    
                
            
                    
                    
    
                        
                                1 Year Premium Plus Package Fixed Rate 
                            
                                2.29%p.a.
                            
                                3.84%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Premium Plus Package Fixed Rate 
                            
                                2.34%p.a.
                            
                                3.74%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Premium Plus Package Fixed Rate 
                            
                                2.39%p.a.
                            
                                3.66%p.a.
                            
                    
    
                
                
            
                        
                    
    
                
        



                    
    
                
    
            
    

        

            
    
                
                
    
                    
    
                        
            
                    
    
                
            
            
                    
                
            
                    
                    
    
                        
                                Annual Fee
                            
                                $395 per annum
                            
                    
    
                
                    
    
                        
                                Establishment fee
                            
                                Nil
                            
                    
    
                
                    
    
                        
                                Monthly Fee
                            
                                Nil
                            
                    
    
                
                
            
                        
                    
    
                
        


                    
    
                
    
            
    

        
        

    

    



    
    
    Mortgage Fees & Charges - PDF 113kb  
    

    
    Get the facts with our Home Loan Key Facts Sheet.
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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An award-winning home loan


                

                    
The Premium Plus Package Fixed Rate Home Loan is recognised by multiple awards, you could enjoy these award winning perks today! 

                

                
                        

                            

                                



    
        Enquire now
    
                

 

                            

                        

                    
            

        

    




    


        
        

        
        

            
            

                
Talk to a lender

            

            


            

        

        
        

    











    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.












    *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 based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based 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 31/03/2020 and are subject to change without notice.










    
#Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.