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BSB 650 000

New rate. Not bad.

5.99
%
P.A.
Real Deal - Special 1**
6.03
%
P.A.
Comparison rate*
Apply now Find out more

Min. loan $150k, LVR ≤80%. T&C's fees, charges & credit criteria apply.

Up to $3,000 cashback^

By applying for a new purchase or refinancing with us online. 

Apply online
Online Cashback Offer Terms and Conditions
  • 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.
  • tick in green circle
    Go with the pros
    We've got you covered every step of the way.

Ready to apply online?

We’ve made it easy and secure so you can get straight to it. Keep some ID handy and your internet banking details to really speed up the process knowing that we never see or store this information.

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Save money and time. Apply in under 15 minutes and give paperwork the flick.

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Ideal for refinancing or buying a new home.

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Your details are protected by secure technology.

Prefer to speak to a lender?

We get it. Sometimes you need that personal touch to help with your unique circumstances. Backed by more than 100 years of experience, we’re here to help every step of the way.

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Speak to one of our experts in person or over the phone at a time that suits you.

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Great for those wanting assistance with an existing loan

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We make home loans easy with our award-winning products and service.

Ready, offset, go!

Use multiple Everyday Accounts with 100% interest offset to pay your home loan off sooner.

Easily refinance to our Premium Plus Package Variable Home Loan.

Find out more

Find a loan to match your home

  • Featured

    Real Deal Home Loan

    Packed with lots of features and no ongoing fees, including redraw and allows additional repayments.
    5.99
    %
    p.a
    6.03
    %
    p.a
    Real Deal - Special 1. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		No
    		Yes
    		Yes
    		No
    		Yes

  • Premium Plus Package Fixed Rate

    A fixed rate package home loan with additional perks like redraw and discounts on other products.
    5.49
    %
    p.a
    7.65
    %
    p.a
    2 Year Special. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		No
    		Yes
    		Yes
    		Yes
    		Yes

  • Premium Plus Package Variable Rate

    A variable rate package home loan with fee free redraw and a 100% offset account.
    6.09
    %
    p.a
    6.43
    %
    p.a
    Special Discount 1. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		Yes
    		Yes
    		Yes
    		Yes
    		Yes

  • Fixed Rate Home Loan

    Lock in your repayments with a fixed rate, with options up to 5 years.
    5.59
    %
    p.a
    7.93
    %
    p.a
    2 Year Special. Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.
    Find out more Enquire now
    		No
    		No
    		Yes
    		No
    		Yes

Lock it in

Got your eye on one of our great fixed rates?

Use our Rate Lock to secure the current advertised rate when you apply for a home loan and protect yourself against potential interest rate rises for 90 days while you work towards settlement.

It’s another way we make buying your home that little bit easier. 

How Rate Lock works Find a local lender

One of Australia’s most trusted banks

As voted by you in the Mozo People's Choice Awards 2024

Learn more

Helping you into your home sooner

The Home Guarantee Scheme (HGS) is an Australian Government initiative supporting eligible home buyers to purchase a home sooner, through a national annual allocation of places under three separate Guarantees.

As of 1 July 2023, the Scheme’s expanded eligibility criteria now supports even more Australian permanent residents, combinations of joint home buyers, and even those who’ve previously owned property but haven’t done so for the past 10 years, to buy a home sooner.

If you're eligible to participate in the HGS, we'll work with you throughout your loan application to secure a place under the relevant Guarantee.

  • First Home Guarantee

    The First Home Guarantee (FHBG) is part of the Home Guarantee Scheme.

    The purpose of the First Home Guarantee (FHBG) is to support eligible home buyers to enter the housing market sooner. Eligible home buyers may qualify with as little as 5% deposit. It’s made possible by allowing Housing Australia to issue 35,000 guarantees each financial year for eligible home loans.

    For more information about FHBG and the eligibility criteria:

  • Family Home Guarantee

    The Family Home Guarantee (FHG) is part of the Home Guarantee Scheme.

    The purpose of the Family Home Guarantee (FHG) is to support eligible single parents and eligible single legal guardians of at least one dependent to buy a home, with as little as 2% deposit. Applicants can include those who aren’t first home buyers. The FHG is made possible by allowing Housing Australia to issue 5,000 guarantees each financial year for eligible home loans.

    For more information about FHG and the eligibility criteria:

  • Regional First Home Buyer Guarantee

    The Regional First Home Buyer Guarantee (RFHBG) is part of the Home Guarantee Scheme.

    The purpose of the Regional First Home Buyer Guarantee (RFHBG) is to help eligible regional home buyers to buy a modest home in regional areas, with as little as 5% deposit. Eligible regional first home buyers (or at least one applicant if applying as joint applicants) can purchase in the regional area they’ve been living in, or an adjacent regional area, for the previous 12 months. The RFHBG is made possible by allowing Housing Australia to issue 10,000 guarantees each financial year for eligible home loans.

    For more information about RFHBG and the eligibility criteria:

Tips and tools

  • Lock it in

    Got your eye on one of our great fixed rates?

    Use our Rate Lock to secure the current advertised rate when you apply for a home loan and protect yourself against potential interest rate rises for 90 days while you work towards settlement.

    It’s another way we make buying your home that little bit easier.

  • Calculators

    Home loan repayment calculator

  • Featured rates

    Popular home loans
    Discounted Real Deal^ 7.85%p.a. 8.07%p.a.
    Real Deal 8.10%p.a. 8.15%p.a.
    Real Deal - Special 1 5.99%p.a. 6.03%p.a.
    Real Deal - Special 2 6.74%p.a. 6.78%p.a.
    ^ 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.
    *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 22/11/2024 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.
    1 Year Premium Plus Package Fixed Rate - Special~ 5.79%p.a. 7.91%p.a.
    1 Year Premium Plus Package Fixed Rate 5.89%p.a. 7.92%p.a.
    2 Year Premium Plus Package Fixed Rate - Special~ 5.49%p.a. 7.65%p.a.
    2 Year Premium Plus Package Fixed Rate 5.59%p.a. 7.67%p.a.
    3 Year Premium Plus Package Fixed Rate - Special~ 5.49%p.a. 7.45%p.a.
    3 Year Premium Plus Package Fixed Rate 5.59%p.a. 7.48%p.a.
    4 Year Premium Plus Package Fixed Rate - Special~ 5.59%p.a. 7.30%p.a.
    4 Year Premium Plus Package Fixed Rate 5.69%p.a. 7.34%p.a.
    5 Year Premium Plus Package Fixed Rate - Special~ 5.59%p.a. 7.14%p.a.
    5 Year Premium Plus Package Fixed Rate 5.69%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 22/11/2024 and are subject to change without prior notice.
    #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 6.09%p.a. 6.43%p.a.
    Premium Plus Package - Discount 2 7.00%p.a. 7.33%p.a.
    ***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 1.73% 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 0.82% is deducted from the Premium Plus Package Variable Rate Tier 4.
    Terms and conditions, fees and charges apply.
    *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 22/11/2024 and are subject to change without prior notice.
    1 Year Fixed Rate - Special~ 5.89%p.a. 8.25%p.a.
    1 Year Fixed Rate 5.99%p.a. 8.26%p.a.
    2 Year Fixed Rate - Special~ 5.59%p.a. 7.93%p.a.
    2 Year Fixed Rate 5.69%p.a. 7.95%p.a.
    3 Year Fixed Rate - Special~ 5.59%p.a. 7.67%p.a.
    3 Year Fixed Rate 5.69%p.a. 7.70%p.a.
    4 Year Fixed Rate - Special~ 5.69%p.a. 7.48%p.a.
    4 Year Fixed Rate 5.79%p.a. 7.52%p.a.
    5 Year Fixed Rate - Special~ 5.69%p.a. 7.28%p.a.
    5 Year Fixed Rate 5.79%p.a. 7.32%p.a.
    ##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.
    *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.
    ~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.
    Interest rates effective as of 22/11/2024 and are subject to change without prior notice.

    View all home loan interest rates.

  • Find a lender

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    Let us come to you! Find a local lending specialist in your area.

    Available over the phone or in person, you can get the loan expertise you need without leaving your house.

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Tips on saving through to settlement

Interest rates effective as of 22/11/2024 and are subject to change without prior notice.
Terms and conditions, fees, charges and credit criteria apply.
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.
**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.
*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. $2,000 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

Our BSB 650 000

©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 and present. 

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.

Taken from 'Reconcile Connection', an artwork commissioned by NGM Group created by Bundjalung woman Tywana Caldwell