Our Real Deal Home Loan helps you save right from the start. You enjoy an easy to manage home loan with a competitive ongoing rate and no account keeping fees.

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Newcastle Permanent offer one of the most competitive home loan rates in Australia. Their customer service is second to none.

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New South Wales

Real Deal Home Loan overview


Real Deal Variable Rate Loan 4.55%p.a. 4.59%p.a.
Establishment fee - Investment Loans Only $550
Annual Fee Nil
Monthly Fee Nil
Minimum Loan Amount $50,000
Maximum Loan Term 30 Years
Additional repayments Yes
Redraw Facility Yes
Repayment Frequency Monthly, Fortnightly or Weekly repayments
Repayment Holiday

Yes

Repayment Options Principal and interest or interest only
Split loan Yes
Interest Offset Account Partial
Mortgage Portability Yes
Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied.

Up to 80% of the value of the property for investment.

Discounted Real Deal Home Loan overview

Special Offer

Apply for a new Discounted Real Deal Home Loan and get a 0.25% p.a. discount off the standard Real Deal Home Loan interest rate for the first 3 years of the loan. After 3 years the loan reverts to our Real Deal Home Loan variable interest rate - available for owner occupied home loans only.

Discounted Real Deal Home Loan^ 4.30%p.a. 4.52%p.a.
Real Deal Variable Rate Loan 4.55%p.a. 4.59%p.a.
Establishment fee $550
Annual Fee Nil
Monthly Fee Nil
Minimum Loan Amount $50,000
Maximum Loan Term 30 Years
Additional repayments Yes
Redraw Facility Yes
Repayment Options Principal and interest or interest only
Repayment Holiday

Yes

Repayment Frequency Monthly, Fortnightly or Weekly repayments
Split loan Yes
Interest Offset Account Partial
Mortgage Portability Yes
Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied.

This product is not available for investment purposes.
Here’s some information for you:
» Lower rates may apply under our Rate Guarantee Offer. Full terms and conditions of our Rate Guarantee Offer are available here. Please contact us on 13 19 87 for more information.
Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full Terms and Conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.
^ 3 year discount of 0.25%p.a. off the Real Deal variable interest rate. 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. 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 27/09/2016 and are subject to change without notice.
© Newcastle Permanent Building Society Limited 2015. ACN 087 651 992 Australian Financial Services Licence / Australian Credit Licence 238273