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BSB 650 000

Lock in a low home loan rate

5.99
%
P.A.
2 Year Premium Plus Package Fixed Rate - Special#
7.76
%
P.A.
Comparison rate *
Enquire now Find a local lender

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.

3,000 reasons to refinance online

Save precious time and money by refinancing your home loan online. We’ll take care of the rest.

Apply now Find out more
Online Refi Cashback Offer Terms and Conditions
  • tick in green circle
    $3,000 cashback^
    By simply refinancing with us online.
  • tick in green circle
    Save money and time
    Get your application underway in just 15 minutes.
  • tick in green circle
    Give paperwork the flick
    Less life admin means more time for the stuff that matters.
  • tick in green circle
    Go with the pros
    We've got you covered every step of the way.

Premium Plus Package Fixed Rate

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.

  • hand withdrawing money icon Need cash? Ability to redraw money if you are ahead in your loan repayments.
  • thumbs up icon Flexibility Choose from weekly, fortnightly or monthly repayments.
  • open banking icon Split it your way Divide your loan between fixed and variable rates at no additional cost.
  • chat icon Chat with a local Our local branches and call centre are ready to help you.

"Based on interest rates, products and flexibility, Newcastle Permanent was way ahead of the other banks for us." -Molly and Michael.

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Tap into the resource of your local lender. Get expert advice based on your unique circumstances while securing a great rate at an award-winning bank.

Your friendly lender is available in person or over the phone. Make your appointment today.


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Features

  • Why Premium Plus

    Features

    The 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.
    Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

    Optional benefits

    You can maximise your Premium Plus Package and apply for a range of additional benefits:

    Give our friendly staff a call on 13 19 87 or visit your local branch to take advantage of these options.

    Eligibility

    You are eligible to receive these benefits if you have a:

     

    Important information about Premium Plus Package
    A $395 annual Premium Plus Package fee applies. Package benefits for a product or service described above are only available where the product is in the same name as the package holder, and only available while you hold an active Premium Plus Package.
    Find out how to get the most out of your Package by reading our Guide to your Premium Plus Package.

     

    Newcastle Permanent, a part of Newcastle Greater Mutual Group Ltd, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details or see our Financial Services Guide before we provide you with services.
    Premium Plus Package Customers are eligible for an ongoing premium discount when purchasing a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount, each of them is applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

  • Loan features

    Discounts and features

    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.

    Lock in a great fixed rate

    Our Rate Lock option allows you to lock in our current advertised rate, protecting you for 90 days against potential interest rate increases while you work toward settling your loan, helping to make your home buying journey just that little bit easier.
    Read our Rate Lock FAQs to find out more.
    Minimum loan amount No minimum
    Maximum loan term 30 years
    Additional repayments You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
    Redraw facility Redraw available on application, up to $25,000 per calendar year, with minimum redraw amount of $500.
    Repayment frequency Monthly, fortnightly or weekly
    Repayment holiday Yes
    Repayment options Principal & Interest or Interest Only.
    Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
    Rate Lock Option available for a fee.
    100% Interest offset account Not available
    Mortgage portability Yes
    Maximum loan to value ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest only loans.

  • Interest rates & fees

    1 Year Premium Plus Package Fixed Rate - Special~ 6.29%p.a. 7.97%p.a.
    1 Year Premium Plus Package Fixed Rate 6.39%p.a. 7.98%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.76%p.a.
    2 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.78%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.59%p.a.
    3 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.62%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.45%p.a.
    4 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.48%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.32%p.a.
    5 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.36%p.a.
    Interest rates effective as of 18/04/2024 and are subject to change without prior 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 "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. 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%.
    1 Year Premium Plus Package Fixed Rate Investment - Special~ 6.39%p.a. 8.27%p.a.
    1 Year Premium Plus Package Fixed Rate Investment 6.49%p.a. 8.29%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Special~ 6.09%p.a. 8.04%p.a.
    2 Year Premium Plus Package Fixed Rate Investment 6.19%p.a. 8.06%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Special~ 6.09%p.a. 7.85%p.a.
    3 Year Premium Plus Package Fixed Rate Investment 6.19%p.a. 7.88%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Special~ 6.09%p.a. 7.69%p.a.
    4 Year Premium Plus Package Fixed Rate Investment 6.19%p.a. 7.72%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Special~ 6.09%p.a. 7.54%p.a.
    5 Year Premium Plus Package Fixed Rate Investment 6.19%p.a. 7.58%p.a.
    Interest rates effective as of 18/04/2024 and are subject to change without prior 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 "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. 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.
    #Reverts to Premium Plus Package Investment 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%.
    Annual Fee $395 per annum
    Establishment fee Nil
    Monthly Fee Nil

    Mortgage Fees & Charges - PDF 113kb  
    Break Costs and Fixed Interest Rate Guide- PDF 189kb  
    Get the facts with our Home Loan Key Facts Sheet.

    View all home loan interest rates

  • Find a lender

    Local lender

    Let us come to you! Find a local lending specialist in your area.

    Available over the phone or in person, you can get the loan expertise you need without leaving your house.

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Save up to 10%

Save up to 10% discount on your first year's premium when you quote and buy a new policy online.~~@&

Get a quote

~~@&Terms and Conditions apply.

Tips on saving through to settlement

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. 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 18/04/2024 and are subject to change without prior 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%.
~~Save up to 10%: When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn't applied on renewal. 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: If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
^Online Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $3,000 cashback for loans ≥$250,000 and LVR ≤80%. Applications must be submitted through Newcastle Permanent’s online application channel. If eligible, cashback payment will be made after loan settlement to an eligible Newcastle Permanent deposit product. Only one (1) Online Refi Cashback per eligible loan, and for first eligible loan only. Not available in conjunction with any other Newcastle Permanent promotional payment. Offer may be varied or withdrawn at any time. See the full Online Refi Cashback Offer Terms and Conditions.

Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past, present and emerging.

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Authenticity, is an artwork commissioned by Newcastle Permanent created by Wiradjuri woman and artist Maree Bisby.