Tools & Calculators | Loan Calculators

Tools & calculators to help with your banking

2,000 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

$2,000 cashback^{^}

By simply refinancing with us online through our Digital Home Loan application.
Go with the pros

Our expert lenders have got you covered every step of the way.
Save money and time

Get your application underway in just 15 minutes.
Give paperwork the flick

Less life admin means more time for the stuff that matters.

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1% p.a. Standard Rate + 4% p.a. Introductory Bonus Rate Offer^#. Terms and Conditions apply.

Find a loan to match your home

Featured

Real Deal Home Loan

Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.

6.04

%

p.a

6.08

%

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

100% Interest offset account Not available, however eligible accounts may be linked and the credit interest rate which would otherwise be payable is offset against the interest charged each month on your loan (however there is no additional interest benefit). Please see the Everyday Account Product Schedule or talk to us for more information.		No
Redraw facility Yes. Available on application. No minimum redraw amount and you can redraw all amounts in advance. Online redraw is fee free. Branch redraw fee applies.		Yes
Additional repayments You can make regular additional repayments and extra lump sum payments.		Yes
Package benefits Not available		No
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Premium Plus Package Fixed Rate

A fixed rate package home loan with additional perks like redraw and discounts on other products.

5.99

%

p.a

7.76

%

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

100% Interest offset account Not available		No
Redraw facility Redraw available on application, up to $25,000 per calendar year, with minimum redraw amount of $500.		Yes
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.		Yes
Package benefits This loan comes with a Premium Plus Package, offering a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus Package product.		Yes
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Premium Plus Package Variable Rate

A variable rate package home loan with fee free redraw and a 100% offset account.

6.13

%

p.a

6.47

%

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

100% Interest offset account Ability to link multiple Everyday Accounts with 100% interest offset.		Yes
Redraw facility Available to redraw repayments in advance, fee free.		Yes
Additional repayments You can make regular additional repayments and extra lump sum payments.		Yes
Package benefits This loan comes with a Premium Plus Package, offering a number of features and benefits, including no establishment fee, no redraw fee, no monthly fee on any Premium Plus Package product.		Yes
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Fixed Rate Home Loan

Lock in your repayments with a fixed rate, with options up to 5 years.

6.09

%

p.a

8.04

%

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

100% Interest offset account Not available		No
Redraw facility Not available		No
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.		Yes
Package benefits Not available		No
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.		Yes

Award winning

How to buy your first home by 22 One young couple’s journey to becoming home owners. Click for more

Fixed vs variable rate home loans Is a fixed or variable home loan right for you? Click for more

Helping make home loans easy A home loan helped one couple start the next phase of their life. Click for more

Home loan application checklist A handy checklist to what you’ll need before applying. Click for more

Interest rates effective as of 05/12/2023 and are subject to change without prior notice.

^Online Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $2,000 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.

^♦Award is based on information collected from the DBM Atlas research program – feedback from over 80,000 business owners or retail customers January 2022 through December 2022. Award results are based on experiences and perceptions of customers surveyed in this period. For DBM Atlas and DBM Australian Financial Awards information, visit dbmconsultants.com.au.

^#The Online Savings Account Standard Rate is variable and subject to change without prior notice; however, the Introductory Bonus Rate offer is a fixed rate that won’t change during the period it applies to your account. The Introductory Bonus Rate applies for the first 3 months after the account is opened, on top of the Standard Rate. At the end of the 3-month Introductory Bonus Rate period only the Standard Rate will continue to apply. The Introductory Bonus Rate is available on a new Online Savings Account if you and all other account owners have not been eligible to receive the Introductory Bonus Rate on any other Online Savings Account in the previous 6-months. To be eligible to receive any interest inclusive of the Introductory Bonus Rate or Standard Rate, all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent.

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2,000 reasons to refinance online