Owner Occupied Variable Rate Home Loan interest rates

Real Deal Home Loan

Real Deal - Special 1 3.49%p.a. 3.53%p.a.
Real Deal - Special 2 3.59%p.a. 3.63%p.a.
Discounted Real Deal^ 4.23%p.a. 4.45%p.a.
Real Deal 4.48%p.a. 4.52%p.a.

Real Deal Home Loan - Interest Only

Real Deal - Interest Only - Special 1 3.89%p.a. 3.68%p.a.
Discounted Real Deal^ - Interest Only 4.72%p.a. 4.58%p.a.
Real Deal - Interest Only 4.97%p.a. 4.71%p.a.
* The comparison rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. Comparison rates for variable rate loans with interest based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based repayments equal in length to the fixed period. You should consider whether the loan is suitable for you. 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.
** 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 90%, a discount of 0.99% is deducted from the Real Deal Home Loan interest rate.
  • Special 2 – For loans with an LVR of equal to or greater than 90%, and less than 95%, a discount of 0.89% is deducted from the Real Deal Home Loan interest rate.
Terms and conditions, fees and charges apply.
** At the current time, eligible loans receive a discount of 1.08% off the Real Deal Home Loan – Interest Only interest rate. The special interest rate is available for new borrowers applying for a Real Deal Home Loan for an owner occupied home with interest based repayments with a minimum balance of $150,000 and an LVR of less than 80%. At the end of the Interest Only period, the loan will revert to the Real Deal Home Loan interest rate for an owner occupied home with principal and interest repayments, discounted by 0.99%.
Existing Newcastle Permanent customers are also eligible to receive the discounted interest rate if:
  • they have a Real Deal Home Loan for an owner occupied home with interest based 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 for an owner occupied home with interest based repayments and they increase it by a minimum of $150,000 in new borrowings,
and the Real Deal Home Loan has an LVR of less than 80%.
Converted borrowings do not constitute new borrowings. Terms and conditions, fees and charges apply.
Interest rates effective as of 18/07/2019 and are subject to change without notice.
^ 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Based repayments). Rate reverts to Real Deal variable interest rate at end of 3 year discount period. Offer available for new mortgage owner occupied home loan applications. Terms and Conditions apply.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to “interest only” on this page refer to loans with interest based repayments, which are calculated slightly differently from traditional interest only repayments – please ask us for further details. References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Premium Variable Home Loan

Premium Variable 5.10%p.a. 5.10%p.a.

Premium Variable Home Loan - Interest Only

Premium Variable - Interest Only 5.59%p.a. 5.30%p.a.
* The comparison rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. Comparison rates for variable rate loans with interest based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based repayments equal in length to the fixed period. You should consider whether the loan is suitable for you. 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.
Interest rates effective as of 18/07/2019 and are subject to change without notice.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to “interest only” on this page refer to loans with interest based repayments, which are calculated slightly differently from traditional interest only repayments – please ask us for further details. References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Real Options Home Loan

Real Options 4.88%p.a. 4.92%p.a.

Real Options Home Loan - Interest Only

Real Options - Interest Only 5.37%p.a. 5.12%p.a.
* The comparison rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. Comparison rates for variable rate loans with interest based repayments are calculated based on an initial 5 year period for interest based repayments. Comparison rates for fixed rate loans with interest based repayments are calculated based on an initial period for interest based repayments equal in length to the fixed period. You should consider whether the loan is suitable for you. 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.
Interest rates effective as of 18/07/2019 and are subject to change without notice.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to “interest only” on this page refer to loans with interest based repayments, which are calculated slightly differently from traditional interest only repayments – please ask us for further details. References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.
© Newcastle Permanent Building Society Limited 2015-2019. ACN 087 651 992 Australian Financial Services Licence / Australian Credit Licence 238273. 
Any general advice on this website has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.