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3,000 reasons to refinance online


Save precious time and money by refinancing your home loan online. We’ll take care of the rest.

  • tick in green circle
    $3,000 cashback^
    By simply refinancing with us online.
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    Save money and time
    Get your application underway in just 15 minutes.
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    Give paperwork the flick
    Less life admin means more time for the stuff that matters.
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    Go with the pros
    We've got you covered every step of the way.

Home loans with a personal touch

Tap into the resource of your local lender. Get expert advice based on your unique circumstances while securing a great rate at an award-winning bank.

Your friendly lender is available in person or over the phone. Make your appointment today.


Investment loans with room to move

We know there’s no one size fits all approach to your investment. Grow your property portfolio with a great rate and flexible home loan options that suit your needs.


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Personal loan interest rates

Secured Loan 6.49%p.a. 8.21%p.a.
Partially Secured Loan 8.99%p.a. 10.73%p.a.
Unsecured Loan 8.99%p.a. 10.73%p.a.
Interest rates effective as of 15/04/2024 and are subject to change without prior notice.
*The Comparison Rate for personal loans is calculated on loan amount of $10,000 for a term of 3 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.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer, fees and charges apply. Loans for commercial purposes are excluded.
Purchase Rate 11.99%p.a.
Balance Transfer Rate 11.99%p.a.
Cash Advance Rate 11.99%p.a.
36Receive up to 55 days interest free on your purchases, if you pay the closing balance each month (including any accrued interest, fees and charges) on each statement in full by the due date. There is no interest free period for balance transfers and cash advances. Interest is calculated on these items from the day of the transaction.
Interest rates effective as of 15/04/2024 and are subject to change without prior notice.
37Terms, conditions, fees, charges and credit criteria apply. Before making a decision read the Terms and Conditions and consider if the product is right for you. For more information, view a copy of the Key Facts Sheet

Can't find what you're looking for? Refer to the Products no longer available for sale.

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Banking on the go
Personal banking interest rates

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Business banking interest rates

^Online Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $3,000 cashback for loans ≥$250,000 and LVR ≤80%. Applications must be submitted through Newcastle Permanent’s online application channel. If eligible, cashback payment will be made after loan settlement to an eligible Newcastle Permanent deposit product. Only one (1) Online Refi Cashback per eligible loan, and for first eligible loan only. Not available in conjunction with any other Newcastle Permanent promotional payment. Offer may be varied or withdrawn at any time. See the full Online Refi Cashback Offer Terms and Conditions.
~~Save up to 10%: When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn't applied on renewal. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz's standard rates, excluding optional covers, and are for the first year's premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
&Minimum Premiums: If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.