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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.

 

 

  • hand withdrawing money icon Need cash? Ability to redraw money if you are ahead in your loan repayments.
  • thumbs up icon Flexibility Choose from weekly, fortnightly or monthly repayments.
  • open banking icon Split it your way Divide your loan between fixed and variable rates at no additional cost.
  • chat icon 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. 

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    Save money and time
    Get your application underway in just 15 minutes.
  • tick in green circle
    Give paperwork the flick
    Less life admin means more time for the stuff that matters.
  • tick in green circle
    Go with the pros
    We've got you covered every step of the way.

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.

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Save money and time. Apply in under 15 minutes and give paperwork the flick.

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Ideal for refinancing or buying a new home.

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Your details are protected by secure technology.

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.

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Speak to one of our experts in person or over the phone at a time that suits you.

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Great for those wanting assistance with an existing loan

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We make home loans easy with our award-winning products and service.

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.


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

Save up to 10%

Save up to 10% discount on your first year's premium when you quote and buy a new policy online.~~@&

~~@&Terms and Conditions apply.

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 13/11/2024 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%.
~~Save up to 10%: [Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply. [Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply. [Motor] The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
&Minimum Premiums: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they're applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won't apply below the minimum amount payable for the policy.
^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 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. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions