Our low packaged home loan rate could save you thousands, compared to a big 4 bank.

Here’s some information for you:
Interest rates effective as of 22/10/2017 and are subject to change without notice.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to “interest only” on this page refer to loans with interest based repayments – please ask us for further details. 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.
** Savings calculated by CANSTAR on an owner occupied, principle and interest home loan of $447,000 [average NSW owner occupied loan size, Source: ABS – June 2017], based on monthly repayments over a 30 year loan term, and compared with the equivalent big 4 bank advertised rates from the CANSTAR database as at 22/10/2017. Monthly savings reflect the difference in the Initial Payment, which is the first payment made by the customer. Total savings over 30 years reflect the difference in the Total Interest Payment, which estimates the interest cost of the loan on top of the principal. Excludes switching costs. Interest rates are subject to change. Results shown are estimates and should be used as a guide only. The calculator assumes that the applicable interest rate remains the same for the term of the loan for variable rate loans, and changes to the relevant revert rate following expiry of the fixed term in the case of fixed rate home loans. Different comparable products, terms, fees, interest rates or loan amounts might result in different or no savings. Forecasts about future performance may not occur. You should obtain professional legal and financial advice before making any financial decision. Credit approval, terms and fees apply.
Information accurate as of 22/10/2017. Source: CANSTAR. Financial data provided by CANSTAR Pty Limited ABN 21 053 646 165 (“CANSTAR”) Authorised Representative no. 443019 of Canstar Research Pty Limited ABN 29 114 422 909, AFSL 437917. Note: Some rates listed may be promotional rates. Rates shown are as notified to CANSTAR during the previous business day. Financial data provided by CANSTAR subject to the Financial Services Guide and AFSL disclosure statement.
* 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.
***Discounted interest rates 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 borrowers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000, for an owner occupied home loan with principal & interest repayments. The discounted interest rate is determined by reference to the applicable Loan to Valuation Ratio (LVR) as follows:
Discount 1 - For loans with an LVR of less than 80%, a discount of 0.73% is deducted from the Tier 4 Premium Plus Package Variable Rate
Discount 2 - For loans with an LVR of 80% and up to less than 90%, a discount of 0.53% is deducted from the Tier 4 Premium Plus Package Variable Rate
Terms and conditions, fees and charges apply.
© Newcastle Permanent Building Society Limited 2015-2017. ACN 087 651 992 Australian Financial Services Licence / Australian Credit Licence 238273