Products no longer available for sale
As we continue to evolve our product suite to suit customers’ needs, some products will no longer be available for sale.
| Achiever and Spend Accounts | Interest rate |
| Entire balance | 0.00% p.a. |
Related Documents
- Terms and Conditions
- Achiever Account Product Schedule
- Statement Savings Account (including Spend Account) Product Schedule
Important Information
From 12 January 2009 the Achiever Account and Spend Account were removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Basic Access Account | Interest rate |
| Entire balance | 0.00% p.a. |
Related Documents
Important information
From 1 March 2023 the Basic Access Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Christmas Club Account | Interest rate |
| Up to $1,999 | 0.01% p.a. |
| $2,000 plus | 0.01% p.a. |
Related Documents
Important information
From 1 February 2017 the Christmas Club Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
In order to receive these interest rates withdrawals can only be made in November and December - refer to Terms and Conditions for more details.
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.
| Money Management Account | Interest rate |
| Up to $4,999 | 0.00% p.a. |
| $5,000 - $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 - $499,999 | 0.00% p.a. |
| $500,000 - $999,999 | 0.01% p.a. |
| $1,000,000 plus | 0.01% p.a. |
Related Documents
Important information
From 2 April 2012 the Money Management Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Money Minder Account | Interest rate |
| Up to $1,999 | 0.00% p.a. |
| $2,000 - $4,999 | 0.00% p.a. |
| $5,000 -$19,999 | 0.01% p.a. |
| $20,000 - $49,999 | 0.01% p.a. |
| $50,000 plus | 0.01% p.a. |
Related Documents
Important information
From 23 January 2018 the Money Minder Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Mortgage Offset Account | Interest rate |
| Entire balance | 0.01% p.a. |
| Entire balance when linked to an eligible home loan | For 100% Interest Offset - equivalent linked loan's %p.a. |
Related Documents
Important information
From 23 January 2018 the Mortgage Offset Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Platinum Deposit (At-Call) Account | Interest rate |
| Entire balance | 0.01% p.a. |
Related Documents
Important information
From 28 October 2021 the Platinum Deposit (At-Call) Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
| Rapid Saver Passbook Account | Interest rate |
| Entire balance | 0.01% p.a. |
| Entire balance when linked to a Premium Plus Package | 0.25% p.a. |
Related Documents
- Terms and Conditions
- Rapid Saver Passbook Account (including Save & Education Savings Account) Product Schedule
Important information
From 23 January 2018 the Rapid Saver Passbook Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
Simply make at least one deposit and no withdrawals during a calendar month.
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.
| Rapid Saver Statement Account | Interest rate |
| Entire balance | 0.01% p.a. |
| Entire balance when linked to a Premium Plus Package | 0.25% p.a. |
Related Documents
- Terms and Conditions
- Rapid Saver Statement Account (including Save & Education Savings Account) Product Schedule
Important information
From 31 August 2023 the Rapid Saver Statement Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
Simply make at least one deposit and no withdrawals during a calendar month.
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.
| Real Estate Trust Account | |
| 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 opening balance of your account 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 |
Related Documents
#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.
Terms, conditions, fees, charges and credit criteria apply.
| Save and Education Savings Accounts | Interest rate |
| Entire balance | 0.01% p.a. |
Related Documents
- Terms and Conditions
- Rapid Saver Passbook Account (including Save & Education Savings Account) Product Schedule
Important information
From 12 January 2009 the Save Account and Education Saver Account were removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
Simply make at least one deposit and no withdrawals during a calendar month.
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.
| Statement Savings Account | Interest rate |
| Entire balance | 0.00% p.a. |
| Entire balance when linked to a Premium Plus Package | 1.00% p.a. |
Related Documents
Important information
From 31 August 2023 the Statement Savings Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Solicitors Statutory Deposit Account | Interest rate |
| Entire balance | 4.95% p.a. |
Important information
From 21 January 2018 the Solicitors Statutory Deposit Account was removed from sale.
This product is no longer available for sale. Interest rates apply to existing account holders only.
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.
| Solicitors Trust Account | |
|---|---|
| Account Balance Range | Entire balance |
|
Interest rate |
3.95% |
| 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 opening balance of your account 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. |
|
Related Documents
*The daily percentage rate is the relevant annual interest rate(s) divided by 365.
Terms, conditions, fees, charges and credit criteria apply.
| Real Deal Home Loan | Interest Rate |
|---|---|
|
Discounted Real Deal^ |
7.85% p..a. |
|
Discounted Real Deal^ - Interest Only |
8.34% p.a. |
Important information
This product is no longer available for sale. Interest rates apply to existing account holders only.
^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.
References to "LVR" mean Loan to Value 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.
| Personal Loans and Car Loans | Interest rate |
|---|---|
| Partially Secured Loan | 8.99% p.a. |
Important information
From 24 March 2025 the Partially Secured Personal Loan was removed from sale.
Applications for credit are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with any loan offer. T&Cs, fees, charges and credit criteria apply. Loans for commercial purposes are excluded.
| Premium Plus Package - Credit Facility** | Interest rate |
|---|---|
|
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. |
Related Documents
- Important Information about Credit Facilities (92kb) - 31 October 2023
References to "LVR" mean Loan to Value 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 - Credit Facility 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 Owner Occupied Home Loan** |
Interest rate - principal and interest | Interest rate - interest only |
|---|---|---|
| Premium Plus Package Variable Rate Tier 3 | 7.87% p.a. | 8.36% p.a. |
|
Premium Plus Package Variable Rate Tier 2 |
7.97% p.a. | 8.46% p.a. |
|
Premium Plus Package Variable Rate Tier 1 |
8.02% p.a. | 8.51% p.a. |
| Premium Plus Package Variable Rate Investment Home Loan** |
Interest rate - principal and interest | Interest rate - interest only |
|---|---|---|
| Premium Plus Package Variable Rate Tier 3 Investment | 8.21% p.a. | 8.66% p.a. |
|
Premium Plus Package Variable Rate Tier 2 Investment |
8.31% p.a. | 8.76% p.a. |
|
Premium Plus Package Variable Rate Tier 1 Investment |
8.36% p.a. | 8.81% p.a. |
Important information
These interest rate tiers are no longer available for new loans. Interest rates apply to existing borrowers only.
References to "LVR" mean Loan to Value 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 were generally available 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
| Premium Variable Home Loan | Interest rate |
|---|---|
| Premium Variable | 8.72% p.a. |
| Premium Variable - Interest Only | 9.21% p.a. |
| Premium Variable Investment Home Loan | Interest rate |
|---|---|
| Premium Variable Investment | 9.06% p.a. |
Important Information
This product is no longer available for sale. Interest rates apply to existing account holders only.
References to "LVR" mean Loan to Value Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.
| Real Equity Credit Facility | Interest rate |
|---|---|
| Real Equity Credit Facility | 9.19% p.a. |
Related Documents
- Important Information about Credit Facilities (92kb) - 31 October 2023
References to "LVR" mean Loan to Value 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.
| Standard Variable for Business Purpose | Interest rate |
| Standard Variable for Business Purpose | 7.50% p.a. |
Important information
This product is no longer available for sale. Interest rates apply to existing account holders only.
References to "LVR" mean Loan to Value 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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