We will never contact you unexpectedly and ask for your account information. Find more info on how to spot a scam here.

Dismiss

This site uses cookies to shape your online experience. Read more

Dismiss
Navigation

BSB 650 000

Bang for your buck

We give our profits back by offering great interest rates across our home, personal and business loans.

Enquire now

2,000 reasons to refinance online

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

Apply now Find out more
Online Refi Cashback Offer Terms and Conditions
  • tick in green circle
    $2,000 cashback^
    By simply refinancing with us online through our Digital Home Loan application.
  • tick in green circle
    Go with the pros
    Our expert lenders have got you covered every step of the way.
  • tick in green circle
    Save money and time
    Get your application underway in just 15 minutes.
  • tick in green circle
    Give paperwork the flick
    Less life admin means more time for the stuff that matters.

buying next home icon
Owner occupied
home loan interest rates

  • Principal and Interest Repayments

    1 Year Fixed Rate - Special~ 6.39%p.a. 8.31%p.a.
    1 Year Fixed Rate 6.49%p.a. 8.32%p.a.
    2 Year Fixed Rate - Special~ 6.09%p.a. 8.04%p.a.
    2 Year Fixed Rate 6.19%p.a. 8.06%p.a.
    3 Year Fixed Rate - Special~ 6.09%p.a. 7.82%p.a.
    3 Year Fixed Rate 6.19%p.a. 7.85%p.a.
    4 Year Fixed Rate - Special~ 6.19%p.a. 7.66%p.a.
    4 Year Fixed Rate 6.29%p.a. 7.70%p.a.
    5 Year Fixed Rate - Special~ 6.19%p.a. 7.50%p.a.
    5 Year Fixed Rate 6.29%p.a. 7.54%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 05/12/2023 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~ 6.29%p.a. 7.97%p.a.
    1 Year Premium Plus Package Fixed Rate 6.39%p.a. 7.98%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.76%p.a.
    2 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.78%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 5.99%p.a. 7.59%p.a.
    3 Year Premium Plus Package Fixed Rate 6.09%p.a. 7.62%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 6.09%p.a. 7.48%p.a.
    4 Year Premium Plus Package Fixed Rate 6.19%p.a. 7.52%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 6.09%p.a. 7.36%p.a.
    5 Year Premium Plus Package Fixed Rate 6.19%p.a. 7.40%p.a.
    Interest rates effective as of 05/12/2023 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 6.13%p.a. 6.47%p.a.
    Premium Plus Package - Discount 2 6.90%p.a. 7.23%p.a.
    Premium Plus Package Variable Rate Tier 4 7.82%p.a. 8.14%p.a.
    Premium Plus Package Variable Rate Tier 3 7.87%p.a. 8.19%p.a.
    Premium Plus Package Variable Rate Tier 2 7.97%p.a. 8.29%p.a.
    Premium Plus Package Variable Rate Tier 1 8.02%p.a. 8.33%p.a.
    Interest rates effective as of 05/12/2023 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 discounted interest rate 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 1.69% 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 0.92% is deducted from the Premium Plus Package Variable Rate Tier 4.
    Terms and conditions, fees and charges apply.
    Premium Variable 8.72%p.a. 8.72%p.a.
    Interest rates effective as of 05/12/2023 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 6.04%p.a. 6.08%p.a.
    Real Deal - Special 2 6.69%p.a. 6.73%p.a.
    Discounted Real Deal^ 7.85%p.a. 8.07%p.a.
    Real Deal 8.10%p.a. 8.15%p.a.
    Interest rates effective as of 05/12/2023 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 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 or equal to 80%, a discount of 2.06% 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 1.41% 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.
    ^ 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Only 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.
    Real Options 8.50%p.a. 8.55%p.a.
    Interest rates effective as of 05/12/2023 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.

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

  • Interest Only Repayments

    1 Year Fixed Rate - Interest Only - Special~ 6.79%p.a. 8.35%p.a.
    1 Year Fixed Rate - Interest Only 6.99%p.a. 8.38%p.a.
    2 Year Fixed Rate - Interest Only - Special~ 6.49%p.a. 8.12%p.a.
    2 Year Fixed Rate - Interest Only 6.69%p.a. 8.16%p.a.
    3 Year Fixed Rate - Interest Only - Special~ 6.49%p.a. 7.95%p.a.
    3 Year Fixed Rate - Interest Only 6.69%p.a. 8.01%p.a.
    4 Year Fixed Rate - Interest Only - Special~ 6.59%p.a. 7.83%p.a.
    4 Year Fixed Rate - Interest Only 6.79%p.a. 7.90%p.a.
    5 Year Fixed Rate - Interest Only - Special~ 6.59%p.a. 7.70%p.a.
    5 Year Fixed Rate - Interest Only 6.79%p.a. 7.78%p.a.
    Interest rates effective as of 05/12/2023 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~ 6.69%p.a. 8.01%p.a.
    1 Year Premium Plus Package Fixed Rate - Interest Only 6.89%p.a. 8.03%p.a.
    2 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 6.39%p.a. 7.83%p.a.
    2 Year Premium Plus Package Fixed Rate - Interest Only 6.59%p.a. 7.87%p.a.
    3 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 6.39%p.a. 7.70%p.a.
    3 Year Premium Plus Package Fixed Rate - Interest Only 6.59%p.a. 7.76%p.a.
    4 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 6.49%p.a. 7.63%p.a.
    4 Year Premium Plus Package Fixed Rate - Interest Only 6.69%p.a. 7.70%p.a.
    5 Year Premium Plus Package Fixed Rate - Interest Only - Special~ 6.49%p.a. 7.53%p.a.
    5 Year Premium Plus Package Fixed Rate - Interest Only 6.69%p.a. 7.62%p.a.
    Interest rates effective as of 05/12/2023 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 6.55%p.a. 6.62%p.a.
    Premium Plus Package - Discount 2 - Interest Only 7.44%p.a. 7.45%p.a.
    Premium Plus Package Variable Rate Tier 4 - Interest Only 8.31%p.a. 8.34%p.a.
    Premium Plus Package Variable Rate Tier 3 - Interest Only 8.36%p.a. 8.39%p.a.
    Premium Plus Package Variable Rate Tier 2 - Interest Only 8.46%p.a. 8.49%p.a.
    Premium Plus Package Variable Rate Tier 1 - Interest Only 8.51%p.a. 8.54%p.a.
    Interest rates effective as of 05/12/2023 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 discounted interest rate 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 1.76% 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 0.87% 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 9.21%p.a. 8.95%p.a.
    Interest rates effective as of 05/12/2023 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 6.14%p.a. 6.12%p.a.
    Real Deal - Interest Only - Special 2 7.04%p.a. 6.88%p.a.
    Discounted Real Deal^ - Interest Only 8.34%p.a. 8.22%p.a.
    Real Deal - Interest Only 8.59%p.a. 8.37%p.a.
    Interest rates effective as of 05/12/2023 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 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 or equal to 80%, a discount of 2.45% 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 1.55% 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.
    ^ 3 year discount of 0.25% off the Real Deal variable interest rate (Principal & Interest or Interest Only 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.
    Real Options - Interest Only 8.99%p.a. 8.77%p.a.
    Interest rates effective as of 05/12/2023 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 6.39%p.a. 6.43%p.a.
    Interest rates effective as of 05/12/2023 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.

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

  • Credit Facilities

    Premium Plus Package Tier 4 8.39%p.a.
    Premium Plus Package Tier 3 8.44%p.a.
    Premium Plus Package Tier 2 8.54%p.a.
    Premium Plus Package Tier 1 8.59%p.a.
    Interest rates effective as of 05/12/2023 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 9.19%p.a.
    Interest rates effective as of 05/12/2023 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.

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.


Find your local lender

investing in a home icon
Investment
home loan interest rates

  • Principal and Interest Repayments

    1 Year Fixed Rate Investment - Special~ 6.49%p.a. 8.62%p.a.
    1 Year Fixed Rate Investment 6.59%p.a. 8.63%p.a.
    2 Year Fixed Rate Investment - Special~ 6.19%p.a. 8.32%p.a.
    2 Year Fixed Rate Investment 6.29%p.a. 8.34%p.a.
    3 Year Fixed Rate Investment - Special~ 6.19%p.a. 8.08%p.a.
    3 Year Fixed Rate Investment 6.29%p.a. 8.11%p.a.
    4 Year Fixed Rate Investment - Special~ 6.29%p.a. 7.90%p.a.
    4 Year Fixed Rate Investment 6.39%p.a. 7.94%p.a.
    5 Year Fixed Rate Investment - Special~ 6.29%p.a. 7.72%p.a.
    5 Year Fixed Rate Investment 6.39%p.a. 7.76%p.a.
    Interest rates effective as of 05/12/2023 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~ 6.39%p.a. 8.27%p.a.
    1 Year Premium Plus Package Fixed Rate Investment 6.49%p.a. 8.29%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Special~ 6.09%p.a. 8.04%p.a.
    2 Year Premium Plus Package Fixed Rate Investment 6.19%p.a. 8.06%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Special~ 6.09%p.a. 7.85%p.a.
    3 Year Premium Plus Package Fixed Rate Investment 6.19%p.a. 7.88%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Special~ 6.19%p.a. 7.72%p.a.
    4 Year Premium Plus Package Fixed Rate Investment 6.29%p.a. 7.76%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Special~ 6.19%p.a. 7.58%p.a.
    5 Year Premium Plus Package Fixed Rate Investment 6.29%p.a. 7.63%p.a.
    Interest rates effective as of 05/12/2023 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 6.33%p.a. 6.67%p.a.
    Premium Plus Package Investment - Discount 2 7.19%p.a. 7.52%p.a.
    Premium Plus Package Variable Rate Tier 4 Investment 8.16%p.a. 8.47%p.a.
    Premium Plus Package Variable Rate Tier 3 Investment 8.21%p.a. 8.52%p.a.
    Premium Plus Package Variable Rate Tier 2 Investment 8.31%p.a. 8.62%p.a.
    Premium Plus Package Variable Rate Tier 1 Investment 8.36%p.a. 8.67%p.a.
    Interest rates effective as of 05/12/2023 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 discounted interest rate 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 1.83% 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 0.97% 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 9.06%p.a. 9.06%p.a.
    Interest rates effective as of 05/12/2023 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 6.24%p.a. 6.28%p.a.
    Real Deal Investment - Special 2 6.94%p.a. 6.98%p.a.
    Real Deal Investment 8.44%p.a. 8.49%p.a.
    Interest rates effective as of 05/12/2023 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 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 or equal to 80%, a discount of 2.20% 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 1.50% 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 8.84%p.a. 8.89%p.a.
    Interest rates effective as of 05/12/2023 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.

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

  • Interest Only Repayments

    1 Year Fixed Rate Investment - Interest Only - Special~ 6.59%p.a. 8.63%p.a.
    1 Year Fixed Rate Investment - Interest Only 6.69%p.a. 8.64%p.a.
    2 Year Fixed Rate Investment - Interest Only - Special~ 6.29%p.a. 8.35%p.a.
    2 Year Fixed Rate Investment - Interest Only 6.39%p.a. 8.37%p.a.
    3 Year Fixed Rate Investment - Interest Only - Special~ 6.29%p.a. 8.12%p.a.
    3 Year Fixed Rate Investment - Interest Only 6.39%p.a. 8.15%p.a.
    4 Year Fixed Rate Investment - Interest Only - Special~ 6.39%p.a. 7.96%p.a.
    4 Year Fixed Rate Investment - Interest Only 6.49%p.a. 8.00%p.a.
    5 Year Fixed Rate Investment - Interest Only - Special~ 6.39%p.a. 7.79%p.a.
    5 Year Fixed Rate Investment - Interest Only 6.49%p.a. 7.84%p.a.
    Interest rates effective as of 05/12/2023 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~ 6.49%p.a. 8.28%p.a.
    1 Year Premium Plus Package Fixed Rate Investment - Interest Only 6.59%p.a. 8.29%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 6.19%p.a. 8.05%p.a.
    2 Year Premium Plus Package Fixed Rate Investment - Interest Only 6.29%p.a. 8.07%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 6.19%p.a. 7.88%p.a.
    3 Year Premium Plus Package Fixed Rate Investment - Interest Only 6.29%p.a. 7.91%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 6.29%p.a. 7.76%p.a.
    4 Year Premium Plus Package Fixed Rate Investment - Interest Only 6.39%p.a. 7.80%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Interest Only - Special~ 6.29%p.a. 7.63%p.a.
    5 Year Premium Plus Package Fixed Rate Investment - Interest Only 6.39%p.a. 7.67%p.a.
    Interest rates effective as of 05/12/2023 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 6.43%p.a. 6.68%p.a.
    Premium Plus Package Investment - Discount 2 - Interest Only 7.19%p.a. 7.49%p.a.
    Premium Plus Package Variable Rate Tier 4 Investment - Interest Only 8.61%p.a. 8.66%p.a.
    Premium Plus Package Variable Rate Tier 3 Investment - Interest Only 8.66%p.a. 8.71%p.a.
    Premium Plus Package Variable Rate Tier 2 Investment - Interest Only 8.76%p.a. 8.81%p.a.
    Premium Plus Package Variable Rate Tier 1 Investment - Interest Only 8.81%p.a. 8.86%p.a.
    Interest rates effective as of 05/12/2023 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 discounted interest rate 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 2.18% 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 1.42% 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 6.34%p.a. 6.32%p.a.
    Real Deal Investment - Interest Only - Special 2 7.04%p.a. 7.02%p.a.
    Real Deal Investment - Interest Only 8.89%p.a. 8.69%p.a.
    Interest rates effective as of 05/12/2023 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 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 or equal to 80%, a discount of 2.55% 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 1.85% 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 9.29%p.a. 9.10%p.a.
    Interest rates effective as of 05/12/2023 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.

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

  • Credit Facilities

    Premium Plus Package Tier 4 8.39%p.a.
    Premium Plus Package Tier 3 8.44%p.a.
    Premium Plus Package Tier 2 8.54%p.a.
    Premium Plus Package Tier 1 8.59%p.a.
    Interest rates effective as of 05/12/2023 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 9.19%p.a.
    Interest rates effective as of 05/12/2023 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.

Save up to 10%

Save up to 10% discount on your first year's premium when you quote and buy a new policy online.~~@&

Get a quote

~~@&Terms and Conditions apply.
car graphic

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 05/12/2023 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 05/12/2023 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.

Together, the Charitable Foundation and We Care Connect can help change the cycle of poverty and provide the every day essentials that families deserve.

Read more

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 05/12/2023 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 0.15%p.a.
    $10,000 - $49,999 1.25%p.a.
    $50,000 - $249,999 1.60%p.a.
    $250,000 plus 2.00%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 05/12/2023 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.

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

  • Savings Accounts

    Entire balance up to $50,000∞ 4.50%p.a.
    Entire balance $50,000-$100,000∞ 4.50%p.a.
    Entire balance $100,000-$250,000∞ 4.50%p.a.
    Entire balance over $250,000∞ 4.50%p.a.
    Entire balance up to $50,000ᴥ 4.75%p.a.
    Entire balance $50,000-$100,000ᴥ 4.75%p.a.
    Entire balance $100,000-$250,000ᴥ 4.75%p.a.
    Entire balance over $250,000ᴥ 4.75%p.a.
    ∞Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $150 higher than the opening balance on the first day of that month (excluding any amounts of interest earned on the account in that month) and no more than 2 withdrawals have been made from the account during that month.
    ᴥ Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $10 higher than the opening balance on the first day of that month (excluding any amounts of interest earned on the account in that month) and no more than 2 withdrawals have been made from the account during that month. All account holders must be under 25 years of age as at the last day of that month to be eligible for this interest rate.
    Interest rates effective as of 05/12/2023 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 05/12/2023 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.

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

  • Term Deposit

    21 - 45 days 1.00%p.a.
    46 - 75 days 1.00%p.a.
    76 - 105 days 4.00%p.a.
    106 - 135 days 3.00%p.a.
    136 - 165 days 3.00%p.a.
    166 - 195 days 4.10%p.a.
    196 - 225 days 3.60%p.a.
    226 - 255 days 3.60%p.a.
    256 - 285 days 3.60%p.a.
    286 - 315 days 3.60%p.a.
    316 - 345 days 3.60%p.a.
    346 - 385 days 5.10%p.a.
    Interest rates effective as of 05/12/2023 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 3.90%p.a.
    106 - 135 days 2.90%p.a.
    136 - 165 days 2.90%p.a.
    166 - 195 days 4.00%p.a.
    196 - 225 days 3.50%p.a.
    226 - 255 days 3.50%p.a.
    256 - 285 days 3.50%p.a.
    286 - 315 days 3.50%p.a.
    316 - 345 days 3.50%p.a.
    346 - 385 days 5.00%p.a.
    2 years 4.65%p.a.
    3 years 3.90%p.a.
    4 years 3.90%p.a.
    5 years 3.90%p.a.
    1 year 5.00%p.a.
    2 years 4.65%p.a.
    3 years 3.90%p.a.
    4 years 3.90%p.a.
    5 years 3.90%p.a.
    1 year 5.00%p.a.
    2 years 4.65%p.a.
    3 years 3.90%p.a.
    4 years 3.90%p.a.
    5 years 3.90%p.a.
    2 years 4.75%p.a.
    3 years 4.00%p.a.
    4 years 4.00%p.a.
    5 years 4.00%p.a.
    Interest rates effective as of 05/12/2023 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.

Banking on the go?

There's an app for that.

  • Securely access your money any time
  • Check out faster in-store or online using mobile payments
  • Personalise, manage and open an account in seconds.

Download now FAQs

paper clip graphic
Business banking interest rates

  • Business Accounts

    Account Balance Range Entire balance
    Annual Interest Rate 90% of the RBA official targeted cash rate
    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
    * 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 05/12/2023 and are subject to change without prior notice.
    Account Balance Range Entire balance
    Annual Interest Rate
    (as at 05/12/2023)
    		 3.95%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 Building Society 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 05/12/2023 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 05/12/2023 and are subject to change without prior notice.
    For Business Base Overdraft see Part 3: Business Accounts Interest Rates Schedule.
    Up to $9,999 0.30% p.a.
    $10,000 - $19,999 0.90% p.a.
    $20,000 - $49,999 0.90% p.a.
    $50,000 - $99,999 0.90% p.a.
    $100,000 - $249,999 0.90% p.a.
    $250,000 - $499,999 0.90% p.a.
    $500,000 - $999,999 0.90% p.a.
    $1,000,000 plus 0.90% 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 05/12/2023 and are subject to change without prior notice.
    For Business Base Overdraft see Part 3: Business Accounts Interest Rates Schedule.

    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 4.00%p.a.
    106 - 135 days 3.00%p.a.
    136 - 165 days 3.00%p.a.
    166 - 195 days 4.10%p.a.
    196 - 225 days 3.60%p.a.
    226 - 255 days 3.60%p.a.
    256 - 285 days 3.60%p.a.
    286 - 315 days 3.60%p.a.
    316 - 345 days 3.60%p.a.
    346 - 385 days 5.10%p.a.
    Interest rates effective as of 05/12/2023 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 3.90%p.a.
    106 - 135 days 2.90%p.a.
    136 - 165 days 2.90%p.a.
    166 - 195 days 4.00%p.a.
    196 - 225 days 3.50%p.a.
    226 - 255 days 3.50%p.a.
    256 - 285 days 3.50%p.a.
    286 - 315 days 3.50%p.a.
    316 - 345 days 3.50%p.a.
    346 - 385 days 5.00%p.a.
    2 years 4.65%p.a.
    3 years 3.90%p.a.
    4 years 3.90%p.a.
    5 years 3.90%p.a.
    1 year 5.00%p.a.
    2 years 4.65%p.a.
    3 years 3.90%p.a.
    4 years 3.90%p.a.
    5 years 3.90%p.a.
    1 year 5.00%p.a.
    2 years 4.65%p.a.
    3 years 3.90%p.a.
    4 years 3.90%p.a.
    5 years 3.90%p.a.
    2 years 4.75%p.a.
    3 years 4.00%p.a.
    4 years 4.00%p.a.
    5 years 4.00%p.a.
    Interest rates effective as of 05/12/2023 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 Refi Cashback Offer available for online home loan refinances from another financial institution (excluding Greater Bank, part of NGM Group). $2,000 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.

Our BSB 650 000

©2023 Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) 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.

 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past, present and emerging.

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Authenticity, is an artwork commissioned by Newcastle Permanent created by Wiradjuri woman and artist Maree Bisby.