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Our Premium Plus Package Loans offer some of our lowest rate home loans with loads of extra benefits.

  • interest rates icon Competitive interest rates
  • Personal Loans $0 application fee for Personal and Car Loans
  • Credit Card $0 annual Value+ Credit Card Fee
  • Insurance Insurance discounts

Premium Plus Package Fixed Rate Overview

Our Premium Plus Package Fixed Rate provides the certainty of knowing what your repayments will be.

1 Year Premium Plus Package Fixed Rate 3.59%p.a. 4.74%p.a.
2 Year Premium Plus Package Fixed Rate 3.69%p.a. 4.68%p.a.
3 Year Premium Plus Package Fixed Rate 3.74%p.a. 4.63%p.a.
Annual Fee $395 per annum
Establishment fee Nil
Monthly Fee Nil
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.

Packaged with a range of discounts and benefits available on other products including insurance discounts and fee discounts on other Newcastle Permanent loan products.


Mortgage Fees & Charges - PDF 113kb  

See how much you could save with one of our award-winning home loans!

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Newcastle Permanent
Here’s some information for you:
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 – 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 18/09/2018 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.