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Our home loans
Featured
Real Deal Home Loan
Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.
Variable Rate**
Variable Rate
**
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 1.93% 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 1.43% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees, charges and credit criteria apply.
3.67
%
p.a
Comparison Rate*
Comparison Rate
*
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.
3.71
%
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
Show features
100% Interest offset account
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
Redraw facility
Available to redraw repayments in advance. Fees apply.
Yes
Additional repayments
Additional repayments
You can make regular additional repayments and extra lump sum payments.
Yes
Package benefits
Package benefits
Not available
No
Split loan
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.
2yr Fixed Rate
#~
2 Year Fixed Rate Special
#
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%.
5.39
%
p.a
Comparison Rate*
Comparison Rate
*
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.
5.69
%
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
Show features
100% Interest offset account
100% Interest offset account
Not available
No
Redraw facility
Redraw facility
Redraw available on application, up to $25,000 per calendar year, with minimum redraw amount of $500.
Yes
Additional repayments
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
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 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.
Variable Rate***
Variable Rate
***
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 1.28% 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 0.68% is deducted from the Premium Plus Package Variable Rate Tier 4.
Terms and conditions, fees and charges apply.
4.04
%
p.a
Comparison Rate*
Comparison Rate
*
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.
4.42
%
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
Show features
100% Interest offset account
100% Interest offset account
Ability to link multiple Everyday Accounts with 100% interest offset.
Yes
Redraw facility
Redraw facility
Available to redraw repayments in advance, fee free.
Yes
Additional repayments
Additional repayments
You can make regular additional repayments and extra lump sum payments.
Yes
Package benefits
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 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 10 years.
2yr Fixed Rate
##~
2 Year Fixed Rate Special
##
Fixed Rate Home Loan
Reverts to the
Real Options Home Loan
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%.
5.49
%
p.a
Comparison Rate*
Comparison Rate
*
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.
5.94
%
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
Show features
100% Interest offset account
100% Interest offset account
Not available
No
Redraw facility
Redraw facility
Not available
No
Additional repayments
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
Package benefits
Not available
No
Split loan
Split loan
Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
Yes
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Excellent customer service
Customer satisfaction award
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Interest rates effective as of
14/08/2022
and are subject to change without prior notice.