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BSB 650 000

Invest with this great
home loan rate

2.69
%
P.A.
2 Year Premium Plus Package Fixed Rate Investment Principal and Interest#
4.07
%
P.A.
Comparison rate *
Enquire now

Investor loans, principal and interest repayments only.

Grow your property portfolio

Grow your investment property portfolio knowing that you are benefiting from one of our lowest fixed package rates. Seasoned landlords and first time property investors alike can enjoy the certainty of knowing what your repayments are with a fixed rate home loan.

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

The Premium Plus Package Fixed Rate home loan gives you the ability to make additional repayments up to $25,000 per year, make redraws and offers discounts to save you money. And at the end of your fixed rate period, your loan will revert to our Premium Plus Package Tier 4 variable interest rate.

  • access icon Need cash? Ability to redraw money if you are ahead in your loan repayments.
  • Better value banking icon Flexibility Choose from weekly, fortnightly or monthly repayments.
  • Community support icon Split it your way Divide your loan between fixed and variable rates at no additional cost.
  • chat Chat with a local Our local branches and call centre are ready to help you.

"Based on interest rates, products and flexibility, Newcastle Permanent was way ahead of the other banks for us." -Molly and Michael.

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Calculators and features

  • Loan features

    Discounts and features

    The Premium Plus Package Fixed Rate home loan gives you the ability to make additional repayments up to $25,000 per year, and offers discounts to save you money:

     
    Minimum Loan Amount No Minimum
    Maximum Loan Term 30 Years
    Redraw Facility Yes
    Repayment Holiday Yes
    Repayment Frequency Monthly, fortnightly or weekly
    Repayment Options Principal and interest or interest only
    Split loan Yes
    Interest Offset Account No
    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

    1 Year Premium Plus Package Fixed Rate Investment 2.78%p.a. 4.19%p.a.
    2 Year Premium Plus Package Fixed Rate Investment 2.69%p.a. 4.07%p.a.
    3 Year Premium Plus Package Fixed Rate Investment 2.78%p.a. 4.00%p.a.
    1 Year Premium Plus Package Fixed Rate Investment - Interest Only 2.78%p.a. 4.18%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Interest Only 2.69%p.a. 4.06%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Interest Only 2.78%p.a. 3.98%p.a.
    Annual Fee $395 per annum
    Establishment fee Nil
    Monthly Fee Nil

    Mortgage Fees & Charges - PDF 113kb  

    Get the facts with our Home Loan Key Facts Sheet.

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    You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre team. 

    With many customers now choosing contactless ways of banking, you will find these branches open on a Saturday morning: Waratah, Wallsend, Greenhills, Charlestown Square, Raymond Terrace, Glendale, Kotara, Mount Hutton, Swansea, Erina, and Tuggerah.

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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. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only 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 17/04/2021 and are subject to change without notice.
#Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period.