
Refinance to unlock new possibilities
It’s now easier than ever to refinance your home loan. But how does refinancing benefit you? Here are some of the perks you could be getting:

It’s now easier than ever to refinance your home loan. But how does refinancing benefit you? Here are some of the perks you could be getting:
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.
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.
Great low rates leave you more dollars for your everyday expenses.
Get comfortable with your repayments. Choose to pay weekly, fortnightly, or monthly.
What’s easier than applying online in only 15 minutes?
Make additional repayments and you could save thousands over your loan term.
Premium Plus Package Fixed Rate
For those seeking to switch to fixed.
|
Premium Plus Package Variable
Work your home loan.
|
Fixed Rate Home Loan
Enjoy the certainty of knowing your repayments.
|
|
---|---|---|---|
Variable rate
5.49
%**
p.a.
Comparison rate
5.53
%*
p.a.
Real Deal - Special 1 available for owner occupied principal & interest loans $150k+, with LVR of 80% or less.
|
2yr fixed rate
5.39
%#
p.a.
Comparison rate
7.25
%*
p.a.
2 year fixed rate special available for owner occupied principal & interest loans, with LVR of 80% or less.
|
Variable rate
5.64
%***
p.a.
Comparison rate
5.99
%*
p.a.
Special Discount 1 available for owner occupied principal & interest loans $150k+, with LVR of 80% or less.
|
2yr fixed rate
5.49
%##
p.a.
Comparison rate
7.52
%*
p.a.
2 year fixed rate special available for owner occupied principal & interest loans, with LVR of 80% or less.
|
|
|
|
|
|
|
|
|
Save up to 10% discount on your first year's premium when you quote and buy a new policy online.~~@&
~~@& Terms and conditions apply.
Restructuring your existing loan could unlock equity and free up some cash.
Remodelling your home is the time to bring that dream kitchen, bathroom, or extension to life.
References to "LVR" mean Loan to Value 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.
**Real Deal At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for an owner occupied home 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:
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:
***Premium Plus Package Variable Rate Discounted interest rates are 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 customers are eligible to receive the discounted interest rate if:
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). At the current time, the LVR requirements are as follows:
##Fixed Rate Home Loan reverts to the Real Options Home Loan at the end of the Fixed Rate period.
#Premium Plus Package Fixed Rate reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
1Where 100% interest offset is not available, eligible deposit 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.
2Redraw available upon application. A fee may apply for redraws performed in branch. Online redraw is fee free. For the Premium Plus Package Fixed Rate loan, there is a minimum $500 per redraw, and redraw is capped at $25,000 per calendar year.
3Additional repayments of up $25,000 per year available on fixed rate home loans. Break costs may apply for additional repayments over this limit. See the Break Cost and Fixed Interest Rate Guide.
4The Premium Plus home loan packages offer a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus package product.
See the Guide to your Premium Plus Package.
^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
~~ 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.