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Lock in a Term Deposit today, and enjoy peace of mind tomorrow.
Interest rate
5.35
%
p.a.
12 month term, minimum $1,000, interest paid at maturity.
Give your kids a head start
Smart Saver Under 25s interest rate
5.75
%ᴥ
p.a.
Balances under $50,000 (including standard and bonus interest rateᴥ)
Apply anywhere, anytime.
Real Deal - Special 1 variable rate
5.99
%**
p.a.
Comparison rate
6.03
%*
p.a.
Min. loan $150K, LVR ≤80%. For Principal & Interest, owner occupied loan.
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Security advice
We will never contact you unexpectedly and request the following:
• Share your password, PIN, customer number, or one-time password
• Transfer money, withdraw, or deposit cash to a third party
• Click a link to grant access to your computer
• Send a courier or staff to pick up money, cards, or details from you.
Never respond if you're contacted unexpectedly and asked for any of the above. Rather call us directly or visit your local branch to confirm if it's a legitimate request.
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Latest news
Over $300,000 awarded to support victims of domestic and family violence
More access to crucial resources for victims of domestic and family violence thanks to Newcastle Permanent Charitable Foundation (NPCF) and the Hunter Domestic and Family Violence (DFV) Consortium.
Newcastle Permanent Charitable Foundation awards Mark Hughes Foundation $25,000
Newcastle Permanent Charitable Foundation (NPCF) has announced its first-ever Grassroots Volunteer Grant, with much-loved charity Mark Hughes Foundation (MHF) set to receive $25,000.
Newcastle Permanent named Canstar Customer-Owned Bank of the Year – Home Loan Refinance
The award recognises strong performance across both variable and fixed home loans, with competitive rates and low fees supporting customers who are considering refinancing.
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Terms, conditions, fees, charges and credit criteria apply.
Confirmation of Payee helps check account details before sending money and may not detect all errors or fraud. You’re still responsible for ensuring payment details are correct. T&Cs apply.
**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 variable 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 variable interest rate.
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.
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, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure. 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.
*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.
^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,500 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
Fees and charges apply. Applications are subject to credit approval. Loan Terms and Conditions are provided with loan offers and available here.
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Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. *For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531. Cashcards and Business+ Credit Cards are not eligible.
PayID and PayTo are registered trademarks of NPP Australia Limited.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
Google Pay Terms of Use.
Google, Google Pay, Android, Google Wallet, Google Play and the Google Play logo are trademarks of Google LLC. Cashcards and Business+ Credit Cards are not eligible.
The Canstar 2025 Home Loan Refinance Award was received in November, 2025 for the Customer-Owned Bank of the Year - Home Loan Refinance.
Find more information on the Mozo Experts Choice Awards 2025 and Mozo People's Choice Awards 2024 and 2025 awards research methodology at Mozo.