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Our Premium Plus Package combines one of our lowest variable home loan rates with loads of extra benefits.

Newcastle Permanent offer one of the most competitive home loan rates in Australia. Their customer service is second to none.

New South Wales

Premium Plus Package overview

Our Premium Plus Package provides a premium product without the premium price tag.

Special Offer - Owner Occupied Loans

For a limited time we are offering a special packaged home loan discounted rate of 3.74%p.a.## (comparison rate 4.12% p.a.*) for new borrowers applying for an owner occupied home loan with a minimum new loan size of $150,000 or more.

The offer is also available for existing borrowers of owner occupied loans who apply for the special package and increase their loan with us by $150,000 or more.

Premium Plus Package Discount## 3.74%p.a. 4.12%p.a.
Premium Plus Package Tier 4 4.27%p.a. 4.64%p.a.
Premium Plus Package Tier 3 4.32%p.a. 4.69%p.a.
Premium Plus Package Tier 2 4.42%p.a. 4.79%p.a.
Premium Plus Package Tier 1 4.47%p.a. 4.84%p.a.
Annual Fee $395 per annum
Establishment fee Nil
Monthly Fee Nil
Minimum Loan Amount No Minimum
Maximum Loan Term 30 Years
Additional Repayments Yes
Redraw Facility Yes
Repayment Holiday Yes
Repayment Frequency Monthly, Fortnightly or Weekly repayments
Repayment Options Principal and interest or interest only
Split loan Yes
Interest Offset Account 100%
Mortgage Portability Yes
Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied.

Up to 60% of the value of the property for investment.

Packaged with a range of discounts and benefits available on other products including insurance discounts, additional interest on savings accounts and fee discounts on other Newcastle Permanent loan products.

Mortgage Fees & Charges - PDF Home Loan Key fact sheets

Home loan sorted. Time to celebrate.

See how we compare, and how much you could save.

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.
* 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 20/02/2017 and are subject to change without notice.
** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000 - Available for owner occupied loans only effective from 23 January 2017
Tier 3 - combined loan balances over $750,000 - Available for owner occupied loans only effective from 28 December 2016
Tier 4 - combined loan balances over $900,000 - Available for owner occupied loans only effective from 28 December 2016
##Discounted interest rate available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000 for an owner occupied home loan. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply.