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BSB 650 000

$2,000 cashback for switching your home loan^

Enquire now

^Refinance loans >$250k, ≤80% Loan to Value Ratio, T&Cs apply.

Refinancing your home loan 

It can be hard to know when it’s a good time to refinance your home loan. Many people refinance for an investment property, to renovate, or simply because they saw a good refinance offer. How do you know when you should refinance? If you’re looking to save money, consolidate debt, pay off your home loan faster, or use the equity in your home to take advantage of the market and invest, then refinancing might be a good option for you. There’s a lot of great benefits to refinancing;

  • Get a better rate
  • A more flexible loan
  • Save money by reducing your repayment amounts
  • Save interest and repay your loan sooner
  • Move to a better lender.

Our local mobile lenders are here to help you with our refinancing offers and can visit you at a place and time that works for you.



Check out our 3 tips on refinancing your home loan.

$2,000 cashback for switching your home loan^

  • Smile icon $2,000 cashback for new refinanced loans^
  • Cash icon Minimum loan $250,000 & LVR ≤80%
  • building icon For owner occupied and investment home loans
  • moneybag icon Paid into your Everyday Account

T&C's apply

Cashback Terms and Conditions.

Choose fixed or variable

  • How much can I borrow?

    Select a calculator

    We have a range of easy to use calculators to help you determine monthly repayments and how much you could borrow.

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      What will my repayments be?
      

                                
      

                                    
      
                                        
                                        
      
                                            
      
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Here’s some information for you:


    






    
    The calculator results are indicative only and are based on the accuracy of information provided by you.  The calculator results have been prepared without taking into account your personal circumstances. The interest rates shown in this calculator are for Owner Occupied loans with Principal and Interest repayments. We recommend you obtain professional financial and legal advice before making any financial decision. The calculator results are estimates only and do not constitute a quote or loan offer.  Weekly loan repayments are based on 52 weekly repayments.  Fortnightly loan repayments are based on 26 fortnightly repayments.  The repayment amounts do not include Society fees and Government charges that may apply to this type of loan.

    



                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        Real Deal Home Loan 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            
    
    

        
    
        
    
            Real Deal Home Loan - Special**
        
    

        
    
            
            
                    
    
                        
    Real Deal - Special 1**
    
                        
    
                            2.59
                            
    
                                
    
                                    %
                                
    
                                
    P.A.
    
                            
    
                        
    
                    
    
                
                    
    
                        
    Comparison rate*
    
                        
    
                            2.63
                            
    
                                
    
                                    %*
                                
    
                                
    P.A.
    
                            
    
                        
    
                    
    
                
        
    

        
    
            Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
        
    

        

    
    






    
    
    From first home buyers to refinancing, our Real Deal Home Loan is packed with all the 
    
features and no ongoing fees, helping you potentially pay your loan off sooner. 
    

    Enjoy the best of both worlds with the flexibility to split a portion of your loan 
    
between both fixed or variable rates.
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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                                        Premium Plus Package Fixed Home Loan 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            
    
    

        
    
        
    
            Premium Plus Package Fixed Rate 
        
    

        
    
            
            
                    
    
                        
    2 Year Premium Plus Package Fixed Rate - Special#
    
                        
    
                            2.18
                            
    
                                
    
                                    %
                                
    
                                
    P.A.
    
                            
    
                        
    
                    
    
                
                    
    
                        
    Comparison rate*
    
                        
    
                            3.72
                            
    
                                
    
                                    %*
                                
    
                                
    P.A.
    
                            
    
                        
    
                    
    
                
        
    

        
    
            Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
        
    

        

    
    






    
    
    Enjoy life with one of our lowest fixed rates and the certainty of knowing what your repayments will be. Our Premium Plus Package Fixed Rate Home Loan is available for new home buyers, refinancers and investors with a Loan to Value Ratio (LVR) of up to 95%. And at the end of your fixed rate period, your loan will revert to our Premium Plus Package Tier 4 variable interest rate.
    

    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.
    

     
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
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Learn more about refinancing

        

        

            

                
            
 
        

    










    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.












    Interest rates effective as of 08/08/2020 and are subject to change without notice.










    **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: 

•They have a Real Deal Home Loan 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 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 1.26% is deducted from the Real Deal Home Loan interest rate.

•Special 2 – For loans with an LVR of greater than 80%, and less than 95%, a discount of 0.86% is deducted from the Real Deal Home Loan interest rate.

Terms and conditions, fees, charges and credit criteria apply.











    
#Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.










    *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 based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based 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. 










    ^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by 30/11/20 and funded by 31/01/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday Account. Only one (1) Cashback Payment per eligible loan. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Loan to Valuation Ratio (LVR) 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.

Terms and conditions.