Home Loan Calculators

How much can I borrow for my home loan?

The number one question most people ask when buying a home is ‘how much can I borrow?’

Our range of easy to use home loan calculators can help you find out how much you could borrow, what your home loan repayments may be, calculate your loan interest, loan comparisons and more.

Our calculators are a handy tool to help calculate your costs and plan your home loan repayments.

	Home loan repayment calculator
	Borrowing power calculator
	Stamp duty calculator
	Extra repayment calculator

	Lump sum repayment calculator
	Principal & interest calculator
	Split loan calculator

Our home loans

Featured

Real Deal Home Loan

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

2.12

%

p.a

2.15

%

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 Available to redraw repayments in advance. Fees apply.		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.

3.69

%

p.a

3.98

%

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.

2.69

%

p.a

3.10

%

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 10 years.

3.79

%

p.a

4.21

%

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

Interest rates effective as of 16/05/2022 and are subject to change without prior notice.

**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 1.73% 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.

*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%.

^***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 0.88% 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.

^##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.

Home Loan calculators

Calculate affordable loan repayments

How much can I borrow for my home loan?