Loan Comparison Calculator

Use our loan comparison calculator to work out which home loan could save you more. You’ll need a few details like your home loan amount and the comparable home loan interest rates to help work out which loan might be right for you in moments.

It's important to note, figures provided by our calculator are indicative only, and do not represent a quote or pre-qualification.

Our home loans

Featured

Real Deal Home Loan

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

2.37

%

p.a

2.41

%

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%.

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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

4.18

%

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.

2.94

%

p.a

3.34

%

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

4.41

%

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

Up to $3,000 cashback for switching your home loan^{^}

$2,000 cashback for refinanced loans ≥ $250,000
Plus a bonus $1,000 cashback for refinanced loans ≥$500,000
For owner-occupied and investment home loans,
LVR ≤90%
Paid into your
Newcastle Permanent account

Cashback Terms and Conditions.
Bonus Cashback Terms and Conditions.

Interest rates effective as of 28/05/2022 and are subject to change without prior notice.

^Cashback Offers available for home loans refinanced from another financial institution. $2,000 cashback for loans ≥$250,000; bonus $1,000 cashback for loans ≥$500,000. Applications must be submitted by 30/06/2022 and funded by 31/08/2022. Applicable cashback amount will be deposited after loan settlement to an eligible Newcastle Permanent Deposit Account. Only one (1) Cashback Payment and, if applicable, additional Bonus Cashback Payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offers may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions and Bonus Cashback Offer Terms and Conditions.