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BSB 650 000

Invest in property

6.04
%
P.A.
Real Deal Home Loan Investment Special 1***
6.08
%
P.A.
Comparison rate *
Apply online Locate a lender

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

Up to $3,000 cashback^

By applying for a new purchase or refinancing with us online. 

Apply online
Online Cashback Offer Terms and Conditions
  • tick in green circle
    Save money and time
    Get your application underway in just 15 minutes.
  • tick in green circle
    Give paperwork the flick
    Less life admin means more time for the stuff that matters.
  • tick in green circle
    Go with the pros
    We've got you covered every step of the way.

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%. 

Easy peasy repayments

Automate your home loan repayments in our app and we’ll update your minimum repayment if it changes.

1. Log on to the app and the press the 'Pay' button

2. Choose your account and home loan

3. Select the 'Automate repayments' button

4. Your monthly repayment amount will automatically populate

5. You can add an additional amount on top of this, otherwise select 'Next' and your payment is ready to go.

Get the app Find a home loan

Find a loan to match your home

  • Featured

    Real Deal Home Loan

    Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.
    6.04
    %
    p.a
    6.08
    %
    p.a
    Real Deal - Special 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 increased borrowings of $150k
    Find out more Enquire now
    		No
    		Yes
    		Yes
    		No
    		Yes

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    5.64
    %
    p.a
    7.75
    %
    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.
    Find out more Enquire now
    		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.
    6.13
    %
    p.a
    6.47
    %
    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.
    Find out more Enquire now
    		Yes
    		Yes
    		Yes
    		Yes
    		Yes

  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 5 years.
    5.74
    %
    p.a
    8.03
    %
    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%.
    Find out more Enquire now
    		No
    		No
    		Yes
    		No
    		Yes

Ready to apply online?

We’ve made it easy and secure so you can get straight to it. Keep some ID handy and your internet banking details to really speed up the process knowing that we never see or store this information.

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Save money and time. Apply in under 15 minutes and give paperwork the flick.

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Ideal for refinancing or buying a new home.

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Your details are protected by secure technology.

Prefer to speak to a lender?

We get it. Sometimes you need that personal touch to help with your unique circumstances. Backed by more than 100 years of experience, we’re here to help every step of the way.

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Speak to one of our experts in person or over the phone at a time that suits you.

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Great for those wanting assistance with an existing loan

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We make home loans easy with our award-winning products and service.

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

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 Yes. Available on application. No minimum redraw amount and you can redraw all amounts in advance. Online redraw is fee free. Branch redraw fee applies.
    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 6.04%p.a. 6.08%p.a.
    Real Deal Investment - Special 2 6.69%p.a. 6.73%p.a.
    Real Deal Investment 8.19%p.a. 8.24%p.a.
    Real Deal Investment - Interest Only - Special 1 6.29%p.a. 6.19%p.a.
    Real Deal Investment - Interest Only - Special 2 6.99%p.a. 6.86%p.a.
    Real Deal Investment - Interest Only 8.64%p.a. 8.44%p.a.
    Establishment Fee $595
    Annual Fee Nil
    Monthly Fee Nil

  • Home loan calculator

    Home loan repayment calculator

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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.


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Interest rates effective as of 22/04/2025 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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.15% 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 1.50% 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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.35% 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 1.65% 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.
*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%: [Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply. [Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply. [Motor] 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: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.
^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions

Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past and present. 

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Taken from 'Reconcile Connection', an artwork commissioned by NGM Group created by Bundjalung woman Tywana Caldwell