Hang up on unexpected calls asking for your banking or card details and contact us directly instead. More ways to keep your data safe

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

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%. 

Find a loan to match your home

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    6.09
    %
    p.a
    8.04
    %
    p.a
    2 Year Special. Investment loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%. Min new or increased borrowings of $150k.
    No
    Yes
    Yes
    Yes
    Yes
  • Premium Plus Package Variable Rate

    A variable rate package home loan with fee free redraw and a 100% offset account.
    6.23
    %
    p.a
    6.57
    %
    p.a
    Special Discount 1. Investment loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%. Min new or increated borrowings of 150k.
    Yes
    Yes
    Yes
    Yes
    Yes
  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 5 years.
    6.19
    %
    p.a
    8.32
    %
    p.a
    2 Year Special. Investment loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    No
    No
    Yes
    No
    Yes

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

Banking backed by Australia

Invest in 120 years of experience and be rewarded with expert advice and home loans that serve you


Home loans with a personal touch

Tap into the resource of your local lender. Get expert advice based on your unique circumstances while securing a great rate at an award-winning bank.

Your friendly lender is available in person or over the phone. Make your appointment today.


Interest rates effective as of 01/03/2024 and are subject to change without prior notice.
Terms, conditions, fees, charges and credit criteria 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.
^^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 2.25% 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 1.61% is deducted from the Real Deal Investment Home Loan interest rate.
*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 quote and 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 quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn't applied on renewal. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz's 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 using 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.
Award is based on information collected from the DBM Atlas research program – feedback from over 80,000 business owners or retail customers January 2022 through December 2022. Award results are based on experiences and perceptions of customers surveyed in this period. For DBM Atlas and DBM Australian Financial Awards information, visit dbmconsultants.com.au.