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BSB 650 000

Know and protect your credit file

Changes to Credit Reporting

Your credit file (including your credit score) is used by credit providers to help them decide whether to lend you money and how much. It’s important to protect your credit file by ensuring you make payments on time, including your regular bills. Defaults and late payments can have a negative impact on your credit file and score.

To help ensure you manage your payments you can set up periodic or future-dated payments in Internet Banking. Here you can find more information.

From July 2018 Newcastle Permanent will be participating in an expanded credit reporting system, known as Comprehensive Credit Reporting (CCR), resulting from changes made by the Australia Government to the Privacy Act 1988 (Cth). These changes allow us to receive additional information about our customer’s credit history, to make a more balanced and accurate assessment of their ability to repay a loan.

You can find out more about CCR at the Australian Retail Credit Association (ARCA) by visiting the CreditSmart website. Our frequently asked questions page also has more information.

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  • Contact us Call 13 19 87

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    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).

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    We will respond to your enquiry within one business day.

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    One of our friendly Home Loan Experts will respond to your enquiry within one business day.

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    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Here’s some information for you : Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

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