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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

Award-winning home loans

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

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Newcastle Permanent

Tools and Calculators

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 15/12/2017 and are subject to change without notice.
***Discounted interest rates available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent borrowers 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 with principal & interest repayments. The discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR) as follows:
Discount 1 - For loans with an LVR of less than 80%, a discount of 0.73% is deducted from the Tier 4 Premium Plus Package Variable Rate
Discount 2 - For loans with an LVR of 80% and up to less than 90%, a discount of 0.53% is deducted from the Tier 4 Premium Plus Package Variable Rate
Terms and conditions, fees and charges apply.
~~For new borrowers applying for a Premium Plus Package Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000 and a Loan to Valuation Ratio (LVR) of less than 80%, a discount of 0.20% will be deducted from the Tier 4 Premium Plus Package Variable Rate. Existing Newcastle Permanent borrowers are eligible to receive the discount 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 investment purpose home loan with principal and interest based repayments and with an LVR of less than 80%. Terms and conditions, fees and charges apply.