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BSB 650 000

Lock in a low home loan rate

1.98
%
P.A.
3 Year Premium Plus Package Fixed Rate - Special#
3.56
%
P.A.
Comparison rate *
Find out more

Owner occupied with principal and interest repayments, LVR ≤ 80%. Reverts to Premium Plus Package Tier 4 variable interest rate at end of Fixed Rate period.

$2,000 cashback for switching your home loan^

Enquire now

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

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$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
Cashback Terms and Conditions.

Our home loans

  • Featured

    Real Deal Home Loan

    Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.
    2.59
    %
    p.a
    2.63
    %
    p.a
    Real Deal - Special 1. Owner occupied home 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

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    1.98
    %
    p.a
    3.56
    %
    p.a
    3 Year Special. Owner occupied home 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

  • Premium Plus Package Variable Rate

    A variable rate package home loan with fee free redraw and a 100% offset account.
    2.94
    %
    p.a
    3.34
    %
    p.a
    Special Discount 1. Owner occupied home 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

  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 10 years.
    1.99
    %
    p.a
    3.88
    %
    p.a
    2 Year Special. Owner occupied home 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

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Calculators and tools

  • Borrowing and repayment calculators

  • Featured interest rates

    Popular home loans
    Discounted Real Deal^ 3.60%p.a. 3.82%p.a.
    Real Deal 3.85%p.a. 3.89%p.a.
    Real Deal - Special 1** 2.59%p.a. 2.63%p.a.
    Real Deal - Special 2 2.99%p.a. 3.03%p.a.
    ^ 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Only repayments). Rate reverts to Real Deal variable interest rate at end of 3 year discount period. Offer available for new mortgage owner occupied home loan applications. Terms and Conditions apply.
    *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 21/04/2021 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.
    ***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 and a Loan to Value Ratio (LVR) of less than or equal to 80%. 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 and have a Loan to Value Ratio (LVR) of less than or equal to 80%; 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. Terms and conditions, fees, charges and credit criteria apply
    Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.
    1 Year Premium Plus Package Fixed Rate - Special~ 1.98%p.a. 3.81%p.a.
    1 Year Premium Plus Package Fixed Rate 2.28%p.a. 3.84%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 1.89%p.a. 3.67%p.a.
    2 Year Premium Plus Package Fixed Rate 2.19%p.a. 3.72%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 1.98%p.a. 3.56%p.a.
    3 Year Premium Plus Package Fixed Rate 2.28%p.a. 3.63%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 2.14%p.a. 3.49%p.a.
    4 Year Premium Plus Package Fixed Rate 2.44%p.a. 3.59%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 2.39%p.a. 3.49%p.a.
    5 Year Premium Plus Package Fixed Rate 2.69%p.a. 3.61%p.a.
    7 Year Premium Plus Package Fixed Rate - Special~ 3.99%p.a. 4.18%p.a.
    7 Year Premium Plus Package Fixed Rate 4.09%p.a. 4.23%p.a.
    10 Year Premium Plus Package Fixed Rate - Special~ 3.99%p.a. 4.24%p.a.
    10 Year Premium Plus Package Fixed Rate 4.09%p.a. 4.31%p.a.
    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 21/04/2021 and are subject to change without notice.
    #Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    Premium Plus Package - Discount 1 2.94%p.a. 3.34%p.a.
    Premium Plus Package - Discount 2 3.31%p.a. 3.70%p.a.
    ***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: 
    •they have a Premium Plus Package Home Loan for an owner occupied home 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 Premium Plus Package Home Loan for an owner occupied home 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 discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
    •Discount 1 - For loans with an LVR of less than or equal to 80%, a discount of 0.63% is deducted from the Premium Plus Package Variable Rate Tier 4.
    •Discount 2 - For loans with an LVR of greater than 80% and less than 95%, a discount of 0.26% is deducted from the Premium Plus Package Variable Rate Tier 4.
    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. 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 21/04/2021 and are subject to change without notice.
    Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.
    1 Year Fixed Rate - Special~ 2.08%p.a. 4.09%p.a.
    1 Year Fixed Rate 2.38%p.a. 4.11%p.a.
    2 Year Fixed Rate - Special~ 1.99%p.a. 3.88%p.a.
    2 Year Fixed Rate 2.29%p.a. 3.94%p.a.
    3 Year Fixed Rate - Special~ 2.08%p.a. 3.73%p.a.
    3 Year Fixed Rate 2.38%p.a. 3.80%p.a.
    4 Year Fixed Rate - Special~ 2.24%p.a. 3.62%p.a.
    4 Year Fixed Rate 2.54%p.a. 3.72%p.a.
    5 Year Fixed Rate - Special~ 2.49%p.a. 3.58%p.a.
    5 Year Fixed Rate 2.79%p.a. 3.70%p.a.
    7 Year Fixed Rate - Special~ 4.09%p.a. 4.20%p.a.
    7 Year Fixed Rate 4.19%p.a. 4.26%p.a.
    10 Year Fixed Rate - Special~ 4.09%p.a. 4.18%p.a.
    10 Year Fixed Rate 4.19%p.a. 4.25%p.a.
    ##Fixed Rate Home Loan Reverts to the Real Options Home Loan 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 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.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    Interest rates effective as of 21/04/2021 and are subject to change without notice.
    Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.

    View all home loan interest rates.

Tips on saving through to settlement

Interest rates effective as of 21/04/2021 and are subject to change without notice.
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.
**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.
*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.
#Premium Plus Package Fixed Rate Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period.
~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
***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: 
•they have a Premium Plus Package Home Loan for an owner occupied home 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 Premium Plus Package Home Loan for an owner occupied home 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 discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR). At the current time, the LVR requirements are as follows:
•Discount 1 - For loans with an LVR of less than or equal to 80%, a discount of 0.63% is deducted from the Premium Plus Package Variable Rate Tier 4.
•Discount 2 - For loans with an LVR of greater than 80% and less than 95%, a discount of 0.26% is deducted from the Premium Plus Package Variable Rate Tier 4.
Terms and conditions, fees and charges apply.
##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.
^Cashback Offer available for loans refinanced from another financial institution. Applications must be submitted by *30/06/21 and funded by 31/08/21. $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. Terms and conditions.