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Owner occupied
home loan interest rates

  • Principal and Interest Repayments

    1 Year Fixed Rate - Special~ 5.69%p.a. 8.01%p.a.
    1 Year Fixed Rate 5.79%p.a. 8.02%p.a.
    2 Year Fixed Rate - Special~ 5.49%p.a. 7.72%p.a.
    2 Year Fixed Rate 5.59%p.a. 7.74%p.a.
    3 Year Fixed Rate - Special~ 5.49%p.a. 7.48%p.a.
    3 Year Fixed Rate 5.59%p.a. 7.50%p.a.
    4 Year Fixed Rate - Special~ 5.69%p.a. 7.33%p.a.
    4 Year Fixed Rate 5.79%p.a. 7.37%p.a.
    5 Year Fixed Rate - Special~ 5.69%p.a. 7.14%p.a.
    5 Year Fixed Rate 5.79%p.a. 7.19%p.a.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    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.
    *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.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    ##Fixed Rate Home Loan Reverts to the Real Options Home Loan 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%.
    1 Year Premium Plus Package Fixed Rate - Special~ 5.59%p.a. 7.67%p.a.
    1 Year Premium Plus Package Fixed Rate 5.69%p.a. 7.69%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 5.39%p.a. 7.44%p.a.
    2 Year Premium Plus Package Fixed Rate 5.49%p.a. 7.46%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 5.39%p.a. 7.25%p.a.
    3 Year Premium Plus Package Fixed Rate 5.49%p.a. 7.28%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 5.59%p.a. 7.15%p.a.
    4 Year Premium Plus Package Fixed Rate 5.69%p.a. 7.19%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 5.59%p.a. 7.01%p.a.
    5 Year Premium Plus Package Fixed Rate 5.69%p.a. 7.05%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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 - Discount 1 5.89%p.a. 6.23%p.a.
    Premium Plus Package - Discount 2 6.85%p.a. 7.18%p.a.
    Premium Plus Package Variable Rate Tier 4 7.57%p.a. 7.89%p.a.
    Premium Plus Package Variable Rate Tier 3 7.62%p.a. 7.94%p.a.
    Premium Plus Package Variable Rate Tier 2 7.72%p.a. 8.04%p.a.
    Premium Plus Package Variable Rate Tier 1 7.77%p.a. 8.09%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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 interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
    Tier 1 - combined loan balances below $500,000
    Tier 2 - combined loan balances over $500,000
    Tier 3 - combined loan balances over $750,000
    Tier 4 - combined loan balances over $900,000
    ***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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and 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 1.68% 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 0.72% is deducted from the Premium Plus Package Variable Rate Tier 4.
    Terms and conditions, fees and charges apply.
    Premium Variable 8.47%p.a. 8.47%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    Real Deal - Special 1 5.74%p.a. 5.78%p.a.
    Real Deal - Special 2 6.49%p.a. 6.53%p.a.
    Discounted Real Deal^ 7.60%p.a. 7.82%p.a.
    Real Deal 7.85%p.a. 7.90%p.a.
    Interest rates effective as of 21/05/2025 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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.11% 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 1.36% is deducted from the Real Deal Home Loan interest rate.
    Terms and conditions, fees, charges and credit criteria 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 "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.
    *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.
    ^ Discounted Real Deal variable rate home loan is available for new owner occupied home loans and applies for a period of 3 years. After 3 years, the loan will revert to a standard Real Deal variable rate home loan.
    Real Options 8.25%p.a. 8.30%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.

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  • Interest Only Repayments

    1 Year Fixed Rate - Interest Only - Special~ 6.09%p.a. 8.06%p.a.
    1 Year Fixed Rate - Interest Only 6.29%p.a. 8.08%p.a.
    2 Year Fixed Rate - Interest Only - Special~ 5.89%p.a. 7.81%p.a.
    2 Year Fixed Rate - Interest Only 6.09%p.a. 7.85%p.a.
    3 Year Fixed Rate - Interest Only - Special~ 5.89%p.a. 7.60%p.a.
    3 Year Fixed Rate - Interest Only 6.09%p.a. 7.66%p.a.
    4 Year Fixed Rate - Interest Only - Special~ 6.09%p.a. 7.49%p.a.
    4 Year Fixed Rate - Interest Only 6.29%p.a. 7.57%p.a.
    5 Year Fixed Rate - Interest Only - Special~ 6.09%p.a. 7.35%p.a.
    5 Year Fixed Rate - Interest Only 6.29%p.a. 7.43%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    At the current time, to be eligible for any Fixed Rate Home Loan with Interest Only repayments an LVR of less than 90% will be required.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    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.
    *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.
    ##Fixed Rate Home Loan Reverts to the Real Options Home Loan 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%.
    1 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 5.99%p.a. 7.71%p.a.
    1 Year Premium Plus Package Fixed Rate - Interest Only 6.19%p.a. 7.74%p.a.
    2 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 5.79%p.a. 7.52%p.a.
    2 Year Premium Plus Package Fixed Rate - Interest Only 5.99%p.a. 7.56%p.a.
    3 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 5.79%p.a. 7.36%p.a.
    3 Year Premium Plus Package Fixed Rate - Interest Only 5.99%p.a. 7.42%p.a.
    4 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 5.99%p.a. 7.29%p.a.
    4 Year Premium Plus Package Fixed Rate - Interest Only 6.19%p.a. 7.37%p.a.
    5 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 5.99%p.a. 7.18%p.a.
    5 Year Premium Plus Package Fixed Rate - Interest Only 6.19%p.a. 7.27%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    At the current time, to be eligible for any Fixed Rate Home Loan with Interest Only repayments an LVR of less than 90% will be required.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    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.
    *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 - Discount 1 - Interest Only 6.40%p.a. 6.43%p.a.
    Premium Plus Package - Discount 2 - Interest Only 7.39%p.a. 7.40%p.a.
    Premium Plus Package Variable Rate Tier 4 - Interest Only 8.06%p.a. 8.09%p.a.
    Premium Plus Package Variable Rate Tier 3 - Interest Only 8.11%p.a. 8.14%p.a.
    Premium Plus Package Variable Rate Tier 2 - Interest Only 8.21%p.a. 8.24%p.a.
    Premium Plus Package Variable Rate Tier 1 - Interest Only 8.26%p.a. 8.29%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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 Variable Rate Discount Discounted interest rates are available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with interest only repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:
    •They have a Premium Plus Package Home Loan for an owner occupied home with interest only 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 interest only repayments and they increase it by a minimum of $150,000 in new borrowings.
    Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and 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 1.66% is deducted from the Tier 4 Premium Plus Package Variable Rate – Interest Only Interest rate.
    •Discount 2 - For loans with an LVR of greater than 80% and less than 90%, a discount of 0.67% is deducted from the Tier 4 Premium Plus Package Variable Rate – Interest Only Interest rate.
    At the end of the Interest Only period, the loan will revert to the relevant owner occupied Premium Plus Package Home Loan interest rate with principal and interest repayments.
    Terms and conditions, fees and charges apply.
    ** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
    Tier 1 - combined loan balances below $500,000
    Tier 2 - combined loan balances over $500,000
    Tier 3 - combined loan balances over $750,000
    Tier 4 - combined loan balances over $900,000
    Premium Variable - Interest Only 8.96%p.a. 8.70%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    Real Deal - Interest Only - Special 1 5.94%p.a. 5.86%p.a.
    Real Deal - Interest Only - Special 2 6.84%p.a. 6.68%p.a.
    Discounted Real Deal^ - Interest Only 8.09%p.a. 7.97%p.a.
    Real Deal - Interest Only 8.34%p.a. 8.12%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    **Real Deal Interest Only 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 interest only 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 for an owner occupied home with interest only 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 only repayments and they increase it by a minimum of $150,000 in new borrowings
    Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.40% is deducted from the Real Deal Home Loan – Interest Only interest rate.
    •Special 2 – For loans with an LVR of greater than 80%, and less than 90%, a discount of 1.50% is deducted from the Real Deal Home Loan – Interest Only interest rate.
    At the end of the Interest Only period, the loan will revert to the relevant owner occupied Real Deal Home Loan interest rate with principal and interest repayments.
    Terms and conditions, fees and charges 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 "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.
    *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.
    ^ Discounted Real Deal variable rate home loan is available for new owner occupied home loans and applies for a period of 3 years. After 3 years, the loan will revert to a standard Real Deal variable rate home loan.
    Real Options - Interest Only 8.74%p.a. 8.52%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    1 Year Rate 6.49%p.a. 6.53%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    ^Bridging loan The maximum term for a Bridging Loan is 12 months. If you can’t sell your current property within 12 months of funding the Bridging Loan we may treat this as default of the loan terms and take action to ensure the sale of the property. You may be required to pay a 2% higher rate until the default is resolved.
    **The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years. 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.

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  • Credit Facilities

    Premium Plus Package Tier 4 8.14%p.a.
    Premium Plus Package Tier 3 8.19%p.a.
    Premium Plus Package Tier 2 8.29%p.a.
    Premium Plus Package Tier 1 8.34%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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 Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
    Tier 1 - combined loan balances below $500,000
    Tier 2 - combined loan balances over $500,000
    Tier 3 - combined loan balances over $750,000
    Tier 4 - combined loan balances over $900,000
    Real Equity Credit Facility 8.94%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.

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

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investing in a home icon
Investment
home loan interest rates

  • Principal and Interest Repayments

    1 Year Fixed Rate Investment - Special~ 5.79%p.a. 8.32%p.a.
    1 Year Fixed Rate Investment 5.89%p.a. 8.33%p.a.
    2 Year Fixed Rate Investment - Special~ 5.59%p.a. 8.00%p.a.
    2 Year Fixed Rate Investment 5.69%p.a. 8.02%p.a.
    3 Year Fixed Rate Investment - Special~ 5.59%p.a. 7.74%p.a.
    3 Year Fixed Rate Investment 5.69%p.a. 7.76%p.a.
    4 Year Fixed Rate Investment - Special~ 5.79%p.a. 7.57%p.a.
    4 Year Fixed Rate Investment 5.89%p.a. 7.61%p.a.
    5 Year Fixed Rate Investment - Special~ 5.79%p.a. 7.37%p.a.
    5 Year Fixed Rate Investment 5.89%p.a. 7.41%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    #Reverts to the Real Options Investment Home Loan 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%.
    1 Year Premium Plus Package Fixed Rate Investment - Special~ 5.69%p.a. 7.98%p.a.
    1 Year Premium Plus Package Fixed Rate Investment 5.79%p.a. 7.99%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Special~ 5.49%p.a. 7.72%p.a.
    2 Year Premium Plus Package Fixed Rate Investment 5.59%p.a. 7.74%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Special~ 5.49%p.a. 7.51%p.a.
    3 Year Premium Plus Package Fixed Rate Investment 5.59%p.a. 7.54%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Special~ 5.69%p.a. 7.39%p.a.
    4 Year Premium Plus Package Fixed Rate Investment 5.79%p.a. 7.43%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Special~ 5.69%p.a. 7.23%p.a.
    5 Year Premium Plus Package Fixed Rate Investment 5.79%p.a. 7.28%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    #Reverts to Premium Plus Package Investment 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 Investment - Discount 1 6.09%p.a. 6.43%p.a.
    Premium Plus Package Investment - Discount 2 7.09%p.a. 7.42%p.a.
    Premium Plus Package Variable Rate Tier 4 Investment 7.91%p.a. 8.23%p.a.
    Premium Plus Package Variable Rate Tier 3 Investment 7.96%p.a. 8.28%p.a.
    Premium Plus Package Variable Rate Tier 2 Investment 8.06%p.a. 8.37%p.a.
    Premium Plus Package Variable Rate Tier 1 Investment 8.11%p.a. 8.42%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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 Variable Rate Investment Discounted interest rates are available for new borrowers applying for a Premium Plus Package Variable Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:
    •They have a Premium Plus Package Home Loan for investment purposes 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 investment purposes 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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and 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 1.82% is deducted from the Premium Plus Package Variable Rate Tier 4 Investment.
    •Discount 2 - For loans with an LVR of greater than 80% and less than 95%, a discount of 0.82% is deducted from the Premium Plus Package Variable Rate Tier 4 Investment.
    Terms and conditions, fees and charges apply.
    ** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
    Tier 1 - combined loan balances below $500,000
    Tier 2 - combined loan balances over $500,000
    Tier 3 - combined loan balances over $750,000
    Tier 4 - combined loan balances over $900,000
    Currently, (irrespective of the combined loan balance at the time of borrowing) for borrowers applying for a Premium Plus Package Variable Rate Home Loan for investment purposes with principal and interest repayments the Tier 2 Premium Plus Package Variable rate will be made available for loans with an LVR of equal to or greater than 80% and less than 95%. Terms and conditions, fees and charges apply.
    Premium Variable Investment 8.81%p.a. 8.81%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    Real Deal Investment - Special 1 5.94%p.a. 5.98%p.a.
    Real Deal Investment - Special 2 6.59%p.a. 6.63%p.a.
    Real Deal Investment 8.19%p.a. 8.24%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    ***Real Deal Investment At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes 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 for investment purposes 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 for investment purposes 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 discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.25% is deducted from the Real Deal Investment Home Loan interest rate.
    •Special 2 - For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.60% is deducted from the Real Deal Investment Home Loan interest rate.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    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.
    *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.
    Real Options Investment 8.59%p.a. 8.64%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.

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  • Interest Only Repayments

    1 Year Fixed Rate Investment - Interest Only - Special~ 5.89%p.a. 8.34%p.a.
    1 Year Fixed Rate Investment - Interest Only 5.99%p.a. 8.35%p.a.
    2 Year Fixed Rate Investment - Interest Only - Special~ 5.69%p.a. 8.03%p.a.
    2 Year Fixed Rate Investment - Interest Only 5.79%p.a. 8.05%p.a.
    3 Year Fixed Rate Investment - Interest Only - Special~ 5.69%p.a. 7.78%p.a.
    3 Year Fixed Rate Investment - Interest Only 5.79%p.a. 7.81%p.a.
    4 Year Fixed Rate Investment - Interest Only - Special~ 5.89%p.a. 7.63%p.a.
    4 Year Fixed Rate Investment - Interest Only 5.99%p.a. 7.67%p.a.
    5 Year Fixed Rate Investment - Interest Only - Special~ 5.89%p.a. 7.45%p.a.
    5 Year Fixed Rate Investment - Interest Only 5.99%p.a. 7.49%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    #Reverts to the Real Options Investment Home Loan 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%.
    1 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 5.79%p.a. 7.99%p.a.
    1 Year Premium Plus Package Fixed Rate Investment - Interest Only 5.89%p.a. 8.00%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 5.59%p.a. 7.74%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Interest Only 5.69%p.a. 7.76%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 5.59%p.a. 7.54%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Interest Only 5.69%p.a. 7.57%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 5.79%p.a. 7.43%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Interest Only 5.89%p.a. 7.47%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 5.79%p.a. 7.28%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Interest Only 5.89%p.a. 7.33%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.
    #Reverts to Premium Plus Package Investment 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 Investment - Discount 1 - Interest Only 6.33%p.a. 6.51%p.a.
    Premium Plus Package Investment - Discount 2 - Interest Only 7.19%p.a. 7.44%p.a.
    Premium Plus Package Variable Rate Tier 4 Investment - Interest Only 8.36%p.a. 8.41%p.a.
    Premium Plus Package Variable Rate Tier 3 Investment - Interest Only 8.41%p.a. 8.46%p.a.
    Premium Plus Package Variable Rate Tier 2 Investment - Interest Only 8.51%p.a. 8.56%p.a.
    Premium Plus Package Variable Rate Tier 1 Investment - Interest Only 8.56%p.a. 8.61%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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 interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
    Tier 1 - combined loan balances below $500,000
    Tier 2 - combined loan balances over $500,000
    Tier 3 - combined loan balances over $750,000
    Tier 4 - combined loan balances over $900,000
    ##Premium Plus Package Investment Discounted interest rates are available for new borrowers applying for a Premium Plus Package Variable Home Loan for investment purposes with interest only repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:
    •They have a Premium Plus Package Home Loan for investment purposes with interest only 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 investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings.
    Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and 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 2.03% is deducted from the Premium Plus Package Tier 4 Investment – Interest Only interest rate.
    •Discount 2 - For loans with an LVR of greater than 80% and less than 90%, a discount of 1.17% is deducted from the Plus Package Tier 4 Investment – Interest Only interest rate.
    At the end of the Interest Only period, the loan will revert to the relevant Premium Plus Package Home Loan interest rate for investment purposes with principal and interest repayments.
    Terms and conditions, fees and charges apply.
    Real Deal Investment - Interest Only - Special 1 6.19%p.a. 6.08%p.a.
    Real Deal Investment - Interest Only - Special 2 6.89%p.a. 6.76%p.a.
    Real Deal Investment - Interest Only 8.64%p.a. 8.44%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    ##Real Deal Investment Interest Only At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes with interest only 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 for investment purposes with interest only 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 investment purposes with interest only repayments and they increase it by a minimum of $150,000 in new borrowings
    Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (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 2.45% is deducted from the Real Deal Home Loan for investment purposes – Interest Only interest rate.
    •Special 2 – For loans with an LVR of greater than 80%, and less than 90%, a discount of 1.75% is deducted from the Real Deal Home Loan for investment purposes – Interest Only interest rate.
    At the end of the Interest Only period, the loan will revert to the relevant Real Deal Home Loan interest rate for investment purposes with principal and interest repayments.
    Terms and conditions, fees and charges 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 "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.
    *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.
    Real Options Investment - Interest Only 9.04%p.a. 8.85%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.
    *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.

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  • Credit Facilities

    Premium Plus Package Tier 4 8.14%p.a.
    Premium Plus Package Tier 3 8.19%p.a.
    Premium Plus Package Tier 2 8.29%p.a.
    Premium Plus Package Tier 1 8.34%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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 Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
    Tier 1 - combined loan balances below $500,000
    Tier 2 - combined loan balances over $500,000
    Tier 3 - combined loan balances over $750,000
    Tier 4 - combined loan balances over $900,000
    Real Equity Credit Facility 8.94%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior 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 "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.

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Personal loan interest rates
Secured Loan 6.49%p.a. 6.84%p.a.
Unsecured Loan 8.99%p.a. 9.35%p.a.
Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
*The Comparison Rate for personal loans is calculated on loan amount of $30,000 for a term of 5 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 21/05/2025 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

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Banking on the go
Personal banking interest rates

  • Everyday Banking

    Entire balance 0.01%p.a.
    Entire balance when linked to an eligible loan For 100% Interest Offset - equivalent linked loan's%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
    20% p.a. interest rate is payable by account holder on any overdrawn amount.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Up to $9,999 0.05%p.a.
    $10,000 - $49,999 1.15%p.a.
    $50,000 - $249,999 1.50%p.a.
    $250,000 plus 1.90%p.a.
    Interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
    20% p.a. interest rate is payable by account holder on any overdrawn amount.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.

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  • Savings Accounts

    Entire balance (standard rate)∞ 0.05%p.a.
    Portion of the balance below $50,000∞ 4.20%p.a.
    Portion of the balance between $50,000 - $100,000∞ 4.20%p.a.
    Portion of the balance between $100,000 - $250,000∞ 4.20%p.a.
    Portion of the balance $250,000 and above∞ 4.20%p.a.
    Entire balance (standard rate)ᴥ 0.05%p.a.
    Portion of the balance below $50,000ᴥ 4.95%p.a.
    Portion of the balance between $50,000 - $100,000ᴥ 4.70%p.a.
    Portion of the balance between $100,000 - $250,000ᴥ 4.70%p.a.
    Portion of the balance $250,000 and aboveᴥ 4.70%p.a.
    ∞Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month.
    ᴥ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month. All account holders must be under 25 years of age as at the first day of that month to be eligible for a Smart Saver Under 25’s.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    20% p.a. interest rate is payable by account holder on any overdrawn amount.
    All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Entire Balance (Standard Rate) 1.00%p.a.
    Introductory Bonus Rate# 4.00%p.a.
    Entire Balance (including Introductory Bonus Rate Offer#) 5.00%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    #The Online Savings Account Standard Rate is variable and subject to change without prior notice; however, the Introductory Bonus Rate offer is a fixed rate that won’t change during the period it applies to your account. The Introductory Bonus Rate applies for the first 3 months after the account is opened, on top of the Standard Rate. At the end of the 3-month Introductory Bonus Rate period only the Standard Rate will continue to apply. The Introductory Bonus Rate is available on a new Online Savings Account if you and all other account owners have not been eligible to receive the Introductory Bonus Rate on any other Online Savings Account in the previous 6-months. To be eligible to receive any interest inclusive of the Introductory Bonus Rate or Standard Rate, all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent.
    20% p.a. interest rate is payable by account holder on any overdrawn amount.
    For further information regarding interest and products generally, please review the applicable Terms and Conditions.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.

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  • Term Deposit

    21 - 45 days 1.00%p.a.
    46 - 75 days 1.00%p.a.
    76 - 105 days 3.95%p.a.
    106 - 135 days 3.95%p.a.
    136 - 165 days 3.95%p.a.
    166 - 195 days 4.35%p.a.
    196 - 225 days 3.80%p.a.
    226 - 255 days 3.80%p.a.
    256 - 285 days 3.80%p.a.
    286 - 315 days 3.80%p.a.
    316 - 345 days 3.80%p.a.
    346 - 385 days 4.00%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    *Deposits up to $250,000 per customer are guaranteed under the Australian Government's Financial Claims Scheme.
    Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.01% p.a. Term Deposit rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions. 
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    76 - 105 days 3.85%p.a.
    106 - 135 days 3.85%p.a.
    136 - 165 days 3.85%p.a.
    166 - 195 days 4.25%p.a.
    196 - 225 days 3.70%p.a.
    226 - 255 days 3.70%p.a.
    256 - 285 days 3.70%p.a.
    286 - 315 days 3.70%p.a.
    316 - 345 days 3.70%p.a.
    346 - 385 days 3.90%p.a.
    2 years 3.40%p.a.
    3 years 3.90%p.a.
    4 years 3.40%p.a.
    5 years 3.40%p.a.
    1 year 3.90%p.a.
    2 years 3.40%p.a.
    3 years 3.90%p.a.
    4 years 3.40%p.a.
    5 years 3.40%p.a.
    1 year 3.90%p.a.
    2 years 3.40%p.a.
    3 years 3.90%p.a.
    4 years 3.40%p.a.
    5 years 3.40%p.a.
    2 years 3.50%p.a.
    3 years 4.00%p.a.
    4 years 3.50%p.a.
    5 years 3.50%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    *Deposits up to $250,000 per customer are guaranteed under the Australian Government's Financial Claims Scheme.
    Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.01% p.a. Term Deposit rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions. 
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.

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Business banking interest rates

  • Business Accounts

    Account Balance Range Entire balance
    Interest Rate 90% of the RBA official cash rate target#
    Method of Calculating Interest Single Tier Interest - Means a single interest rate applies to the entire balance of your account.
    How Interest is Calculated We apply the daily percentage rate* to the balance of your account at the end of each day.
    When Interest is Calculated No interest is credited to your account. However, interest earned on your account is paid to the Office of Fair Trading monthly after the close of business at the end of the month.
    Penalty Interest on Overdrawn Account 20% p.a. on amount overdrawn
    #Current and historical RBA Cash Rate Target is available at www.rba.gov.au/statistics/cash-rate. Following an RBA rate change, the annual interest rate will be updated on the first day of the following month.
    * The daily percentage rate is the relevant annual interest rate(s) divided by 365.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    Account Balance Range Entire balance
    Annual Interest Rate
    (as at 21/05/2025)
    		 3.70%p.a.
    Method of Calculating Interest Single Tier Interest - Means a single interest rate applies to the entire balance of your account
    How Interest is Calculated We apply the daily percentage rate* to the balance of your account at the end of each day.
    When Interest is Calculated No interest is credited to your account. However, interest earned on your account is paid to the New South Wales Law Society monthly after the close of business at the end of the month.
    Penalty Interest on Overdrawn Account 20% p.a. on amount overdrawn
    Important Information - this rate is negotiated between Newcastle Permanent and the New South Wales Law Society.
    * The daily percentage rate is the relevant annual interest rate(s) divided by 365.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    Up to $1,999 0.00% p.a.
    $2,000 - $9,999 0.00% p.a.
    $10,000 - $19,999 0.00% p.a.
    $20,000 - $49,999 0.00% p.a.
    $50,000 - $99,999 0.00% p.a.
    $100,000 plus 0.00% p.a.
    Method of Calculating Interest Tiered Interest - Means a single interest rate applies to the entire balance of your account. When your balance reaches a higher tier you will receive the interest rate for that tier on the entire balance of your account.
    How Interest is Calculated We apply the daily percentage rate* to the balance of your account at the end of each day.
    When Interest is Calculated Interest is credited to your account quarterly after the close of business at the end of June, September, December and March.
    Penalty Interest on Overdrawn Account Business Base Overdraft + 6% p.a.
    * The daily percentage rate is the relevant annual interest rate(s) divided by 365.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    For the Business Base Overdraft Interest Rate, see below.
    Up to $9,999 0.05% p.a.
    $10,000 - $19,999 0.65% p.a.
    $20,000 - $49,999 0.65% p.a.
    $50,000 - $99,999 0.65% p.a.
    $100,000 - $249,999 0.65% p.a.
    $250,000 - $499,999 0.65% p.a.
    $500,000 - $999,999 0.65% p.a.
    $1,000,000 plus 0.65% p.a.
    Method of Calculating Interest Tiered Interest - Means a single interest rate applies to the entire balance of your account. When your balance reaches a higher tier you will receive the interest rate for that tier on the entire balance of your account.
    How Interest is Calculated We apply the daily percentage rate* to the balance of your account at the end of each day.
    When Interest is Calculated Interest is credited to your account monthly after the close of business at the end of the month.
    Penalty Interest on Overdrawn Account  Business Base Overdraft + 6%p.a.
    * The daily percentage rate is the relevant annual interest rate(s) divided by 365.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    For the Business Base Overdraft Interest Rate, see below.
    Base Overdraft Interest Rate (Interest margin may apply) 8.01%p.a.
    * The daily percentage rate is the relevant annual interest rate(s) divided by 365.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.

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

  • Term Deposit Accounts

    21 - 45 days 1.00%p.a.
    46 - 75 days 1.00%p.a.
    76 - 105 days 3.95%p.a.
    106 - 135 days 3.95%p.a.
    136 - 165 days 3.95%p.a.
    166 - 195 days 4.35%p.a.
    196 - 225 days 3.80%p.a.
    226 - 255 days 3.80%p.a.
    256 - 285 days 3.80%p.a.
    286 - 315 days 3.80%p.a.
    316 - 345 days 3.80%p.a.
    346 - 385 days 4.00%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    *Deposits up to $250,000 per customer are guaranteed under the Australian Government's Financial Claims Scheme.
    Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.01% p.a. Term Deposit rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions. 
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    76 - 105 days 3.85%p.a.
    106 - 135 days 3.85%p.a.
    136 - 165 days 3.85%p.a.
    166 - 195 days 4.25%p.a.
    196 - 225 days 3.70%p.a.
    226 - 255 days 3.70%p.a.
    256 - 285 days 3.70%p.a.
    286 - 315 days 3.70%p.a.
    316 - 345 days 3.70%p.a.
    346 - 385 days 3.90%p.a.
    2 years 3.40%p.a.
    3 years 3.90%p.a.
    4 years 3.40%p.a.
    5 years 3.40%p.a.
    1 year 3.90%p.a.
    2 years 3.40%p.a.
    3 years 3.90%p.a.
    4 years 3.40%p.a.
    5 years 3.40%p.a.
    1 year 3.90%p.a.
    2 years 3.40%p.a.
    3 years 3.90%p.a.
    4 years 3.40%p.a.
    5 years 3.40%p.a.
    2 years 3.50%p.a.
    3 years 4.00%p.a.
    4 years 3.50%p.a.
    5 years 3.50%p.a.
    Interest rates effective as of 21/05/2025 and are subject to change without prior notice.
    *Deposits up to $250,000 per customer are guaranteed under the Australian Government's Financial Claims Scheme.
    Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.01% p.a. Term Deposit rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions. 
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.

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

^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions
~~Save up to 10%: [Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply. [Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply. [Motor] 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: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.