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BSB 650 000

Invest with this great
home loan rate

2.57
%
P.A.
Real Deal Home Loan - Investment Special 1***
2.61
%
P.A.
Comparison rate *
Enquire now

Investment loans with principal & interest repayments. LVR ≤80%. Min new or increased borrowings of $150k.

Grow your property portfolio

Grow your investment property portfolio knowing that you are benefiting from one of our lowest investment variable rates. Seasoned landlords and first time property investors alike can enjoy the best of both worlds with the flexibility to split a portion of your loan between both fixed or variable rates.

Packed with options to maximise your investment, you can choose from principal and interest with a Loan to Value Ratio (LVR) of up to 95% or interest only with an LVR of up to 90%. 

Five questions you should ask when comparing home loans.

Newcastle Permanent provides such a friendly and personalised service – they make everything so easy.

Help with your home loan

Our local lenders are here to guide you through the process of buying a home from start to finish. Available over the phone or in person, you can get the specialist help you need without leaving your house.

Save yourself the time and stress and make an appointment today.


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Calculators and features

  • Real Deal Loan features

    Minimum loan amount $50,000
    Maximum loan term 30 years
    Additional repayments You can make regular additional repayments and extra lump sum payments.
    Redraw facility Available to redraw repayments in advance. Fees apply.
    Repayment frequency Monthly, Fortnightly or Weekly repayments
    Repayment holiday Yes
    Repayment options Principal & Interest or Interest Only.
    Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
    100% Interest offset account Not available, however eligible accounts may be linked and the credit interest rate which would otherwise be payable is offset against the interest charged each month on your loan (however there is no additional interest benefit). Please see the Everyday Account Product Schedule or talk to us for more information.
    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.

  • Interest rates & fees

    Real Deal Investment - Special 1 2.57%p.a. 2.61%p.a.
    Real Deal Investment - Special 2 2.77%p.a. 2.81%p.a.
    Real Deal Investment 4.44%p.a. 4.48%p.a.
    Real Deal Investment - Interest Only - Special 1 2.57%p.a. 2.60%p.a.
    Real Deal Investment - Interest Only - Special 2 2.77%p.a. 2.80%p.a.
    Real Deal Investment - Interest Only 4.89%p.a. 4.66%p.a.
    Establishment Fee $595
    Annual Fee Nil
    Monthly Fee Nil

  • Home loan calculator

Save up to 10%

Save up to 10% on your first year's premium when purchasing a new Home, Landlord or Comprehensive Motor Insurance policy online.~~@&

Get a quote

~~@&Terms and Conditions apply.

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Interest rates effective as of 28/05/2022 and are subject to change without prior notice.
Terms, conditions, fees, charges and credit criteria apply.
^^100% Offset account is not available however this loan type is eligible to be linked to an Everyday Account known as a Partial Offset. Please see the Product Schedule or talk to us for more information.
***Real Deal Investment At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
•They have a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or
•They convert an existing Newcastle Permanent loan to a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings
Converted borrowings do not constitute new borrowings.
The special interest rate is determined by reference to the applicable LVR. Currently, the LVR requirements are as follows:
•Special 1 - For loans with an LVR of less than or equal to 80%, a discount of 1.87% is deducted from the Real Deal Investment Home Loan interest rate.
•Special 2 - For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.67% is deducted from the Real Deal Investment Home Loan interest rate.
##Real Deal Investment Interest Only At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes with interest only repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if:
•They have a Real Deal Home Loan for investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings; or
•They convert an existing Newcastle Permanent loan to a Real Deal Home Loan for investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings
Converted borrowings do not constitute new borrowings.
The special interest rate is determined by reference to the applicable LVR. Currently, the LVR requirements are as follows:
•Special 1 – For loans with an LVR of less than or equal to 80%, a discount of 2.32% is deducted from the Real Deal Home Loan for investment purposes – Interest Only interest rate.
•Special 2 – For loans with an LVR of greater than 80%, and less than 90%, a discount of 2.12% is deducted from the Real Deal Home Loan for investment purposes – Interest Only interest rate.
At the end of the Interest Only period, the loan will revert to the relevant Real Deal Home Loan interest rate for investment purposes with principal and interest repayments.
Terms and conditions, fees and charges 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.
~~Save up to 10%: When you buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you buy a new landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium including the optional covers (If selected) Flood & Rent Default and Theft by Tenant. This discount is not applied on renewal. The online discount applies to new Comprehensive Motor insurance policies only. Any online discount offered are applied to our 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 via 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: If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.