This site uses cookies to shape your online experience. Read more

Dismiss
Navigation

BSB 650 000

Lock in this great low rate

1.99
%
P.A.
4 Year Premium Plus
Package Fixed Rate
Special#
3.45
%
P.A.
Comparison rate*
Enquire now

Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

$2,000 cashback for switching your home loan^

  • 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 Everyday Account
Cashback Terms and Conditions.

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. - Luke and Chloe, Cardiff South

Talk to a lender

Invest with confidence

We’ve won an award for doing right by our customers and offering a home loan that provides investors with real value. That’s not bad.

Grow your property portfolio and get ahead with our Premium Plus Package Fixed Rate.

Contact us
2021 RateCity Gold awards

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.

    • 
                            
      

                                
      What will my repayments be?
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
                                                $
                                                
                                            
      
                                        
      
                                    
      

                                    
      
                                        
                                        
      
                                            
      
                                                
                                                years
                                            
      
                                        
      
                                    
      

                                    
                                    
      
                                        
      
                                            
                                        
      
                                    
      
                                    

                                
      

                            
      
                        
      
                    
      

                    
      

                        
      
                            

                            
      

                            
      
                                
      
                                    
      
                                        
      Initial repayments at 0.00% p.a.

                                        
      
                                        $0

                                        
                                        
      Repayments at 0.00% p.a.

                                        
      
                                        $0

                                        
                                    
      
                                
      
                                
      
                                    
      
                                        
      Initial repayments at 0.00% p.a.

                                        
      
                                        $0

                                        
                                        
      Repayments at 0.00% p.a.

                                        
      
                                        $0

                                        
                                    
      
                                
      
                                
      
                                    
      
                                        
      Initial repayments at 0.00% p.a.

                                        
      
                                        $0

                                        
                                        
      Repayments at 0.00% p.a.

                                        
      
                                        $0

                                        
                                    
      
                                
      
                            
      
                        
      

                        
      
                            
      
                                
                            
      
                        
      
                    
      

                
      

            
      • 
        
            
    •   
  
   
       


      
  
      
    
      How much can I borrow?
      
  
      


  
      
    
    
      
      
      
        
      
            
      
              
      
                

                
      
                  
      
                    
                  
      
      
                  
      
                     years 
                  
      
            
                
      
              
      
            
      
              


              
      
                

                
      
                  
      
                      
                     
                  
      
                
      
              
      


              
      

                

                
      

                  
      

                    

                    

                    

                    

                    

                    

                    

                    

                    

                    

                    

                    

                  
      
              
      
            
      
        
      
      
      
    
      

    
      
      
      
      

        
      

          
      
            
      Income (before tax)
      
          
      


          
      
            
      
  
      Applicant 1
      

      



      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  
      Investment income e.g. rental income
      


  
      
    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    


    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    
  
      

      




      
  
      Other income
      


  
      
    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    


    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    


    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    
  
      
  

      
          
      


          
      
            
      
              
      
  
      Applicant 2
      

      



      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  
      Investment income e.g. rental income
      


  
      
    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    


    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    
  
      

      




      
  
      Other income
      


  
      
    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    


    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    


    
      
      

      
      
        
      
          $ 
        
      


        
      
          
        
      
      
      
    
      
    
  
      
  

      
            
      
          
      
        
      
      
      
    
      


    
      
      
      
        
      
          
      
            
      Expenses
      
          
      


          
      
            
      
  
       
      

      


      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  

  
      
    
      
      $ 
    
      


    
      
      
    
      
  
      

      




      
  

  
      
    
      
      $ 
    
      

  
      

      




      
  
      Will you continue to pay rent after you get this loan?
      


  
      
    
      
      

      
      
        
      
          $ 
        
      
        

        
      
          
        
      
        
      
      
    
      
    
  
      

      

          
      
         
        
      
      
        
          
            Calculate 
            
          

          
            Recalculate 
            
          
        

        
      
          
      
            
      
            
      You could borrow up to
      
            $0
          
      
        
      
      
      
      
    
      
  
      

      

      • 
        
            
    • 
            
            
            
      
                

                
      

                    
      
                        
      How much can I borrow based on preferred repayments?
      
                    
      

                    
      
                        
      
                            
      
                            
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
                                                
                                                years
                                            
      
                                        
      
                                    
      

                                    
      
                                        
                                        
      
                                            
      
                                                $
                                                
                                            
      
                                        
      
                                    
      

                                
      

                            
      
                        
      
                    
      

                    
      

                        
      

                            
      
                                
      
                                
      You could borrow up to

                                
      
                                $0

                                
                            
      

                        
      
                    
      

                
      

            
      • 
        
            
    
        


    






    
    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.

    



                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
    • 
                
                    
  • 
                        
    
                            
    
	
                                
                            

    
                            
    
                                
                                
    
                                    
                                        
                                        
                                        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 only loans.
                            
                    
    
                
                
            
                        
                    
    
                
        


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
    • 
                
                    
  • 
                        
    
                            
    
	
                                
                            

    
                            
    
                                
                                
    
                                    
                                        
                                        
                                        Featured interest rates & fees 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            
    
      
    
   
            

            
    
                
                
    
                    
    
                        
            
                    
    
                
            
                    
                            
                                
    
                                    
                            
                        
                            
                        
                            
                        
                                
    
                                
                        
                
            
                    
                
            
                    
                    
    
                        
                                1 Year Premium Plus Package Fixed Rate - Special~
                            
                                1.98%p.a.
                            
                                3.81%p.a.
                            
                    
    
                
                    
    
                        
                                1 Year Premium Plus Package Fixed Rate 
                            
                                2.28%p.a.
                            
                                3.84%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Premium Plus Package Fixed Rate - Special~
                            
                                2.18%p.a.
                            
                                3.72%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Premium Plus Package Fixed Rate 
                            
                                2.48%p.a.
                            
                                3.77%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Premium Plus Package Fixed Rate - Special~
                            
                                2.18%p.a.
                            
                                3.61%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Premium Plus Package Fixed Rate
                            
                                2.48%p.a.
                            
                                3.68%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Premium Plus Package Fixed Rate - Special~
                            
                                1.99%p.a.
                            
                                3.45%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Premium Plus Package Fixed Rate 
                            
                                2.29%p.a.
                            
                                3.54%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Premium Plus Package Fixed Rate - Special~
                            
                                2.19%p.a.
                            
                                3.42%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Premium Plus Package Fixed Rate 
                            
                                2.49%p.a.
                            
                                3.53%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Premium Plus Package Fixed Rate - Special~
                            
                                3.99%p.a.
                            
                                4.18%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Premium Plus Package Fixed Rate 
                            
                                4.09%p.a.
                            
                                4.23%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Premium Plus Package Fixed Rate - Special~
                            
                                3.99%p.a.
                            
                                4.24%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Premium Plus Package Fixed Rate 
                            
                                4.09%p.a.
                            
                                4.31%p.a.
                            
                    
    
                
                
            
                        
                    
    
                
        






    
    Interest rates effective as of 26/02/2021 and are subject to change without notice.

    






    
    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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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. 

    






    
    
#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%.


    



                    
    
                
    
            
    

        

            
    
                
                
    
                    
    
                        
            
                    
    
                
            
                    
                            
                                
    
                                    
                            
                        
                            
                        
                            
                        
                                
    
                                
                        
                
            
                    
                
            
                    
                    
    
                        
                                1 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                2.48%p.a.
                            
                                4.16%p.a.
                            
                    
    
                
                    
    
                        
                                1 Year Premium Plus Package Fixed Rate Investment 
                            
                                2.78%p.a.
                            
                                4.19%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                2.68%p.a.
                            
                                4.07%p.a.
                            
                    
    
                
                    
    
                        
                                2 Year Premium Plus Package Fixed Rate Investment
                            
                                2.98%p.a.
                            
                                4.13%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                2.68%p.a.
                            
                                3.98%p.a.
                            
                    
    
                
                    
    
                        
                                3 Year Premium Plus Package Fixed Rate Investment
                            
                                2.98%p.a.
                            
                                4.05%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                2.49%p.a.
                            
                                3.82%p.a.
                            
                    
    
                
                    
    
                        
                                4 Year Premium Plus Package Fixed Rate Investment
                            
                                2.79%p.a.
                            
                                3.92%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                2.69%p.a.
                            
                                3.81%p.a.
                            
                    
    
                
                    
    
                        
                                5 Year Premium Plus Package Fixed Rate Investment
                            
                                2.99%p.a.
                            
                                3.92%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                4.09%p.a.
                            
                                4.39%p.a.
                            
                    
    
                
                    
    
                        
                                7 Year Premium Plus Package Fixed Rate Investment
                            
                                4.19%p.a.
                            
                                4.44%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Premium Plus Package Fixed Rate Investment - Special~
                            
                                4.09%p.a.
                            
                                4.41%p.a.
                            
                    
    
                
                    
    
                        
                                10 Year Premium Plus Package Fixed Rate Investment
                            
                                4.19%p.a.
                            
                                4.48%p.a.
                            
                    
    
                
                
            
                        
                    
    
                
        






    
    Interest rates effective as of 26/02/2021 and are subject to change without notice.

    






    
    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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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. 

    






    
    
#Reverts to Premium Plus Package Investment 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%.


    



                    
    
                
    
            
    

        

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


                    
    
                
    
            
    

        
        

    

    



    
    
    Mortgage Fees & Charges - PDF 113kb  
    
Break Costs and Fixed Interest Rate Guide- PDF 189kb  
    
Get the facts with our Home Loan Key Facts Sheet.
    

    View all home loan interest rates
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
    • 
                
        


    








    

        

            
Tips on saving through to settlement

        

        

            

                
            
 
        

    










    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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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 26/02/2021 and are subject to change without 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 *31/03/21 and funded by 31/05/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday 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.