Hang up on unexpected calls claiming to be from our fraud team and contact us directly instead. More ways to keep your data safe. 

Dismiss

We use cookies to provide you with the best possible online experience. Read more

Dismiss
Navigation

BSB 650 000

Enjoy the certainty of knowing your repayments

5.59
%
P.A.
Standard Fixed Rate
2 Year Fixed Rate Special~
7.93
%
P.A.
Comparison rate*
Apply now Find a local lender

Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

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.

Fixed Rate Home Loan

With a Fixed Rate Home Loan you can relax and enjoy the certainty of knowing your repayments won’t change during the fixed rate period#. This no frills fixed rate loan offers owner occupiers or investors the option of a Loan to Value Ratio (LVR) of up to 95% for principal and interest home loans.

Coupled with no ongoing fees, ensuring stability in managing your repayments, and the ability to make additional repayments each year up to $25,000. Applying is easy with the ability to enquire online or apply over the phone, or with a mobile lender at a place that suits you. 

  • thumbs up icon No ongoing fees No monthly or annual fees.
  • open banking icon Split it your way Divide your loan between fixed and variable rates at no additional cost.
  • quick balance icon Repayment options Principal and interest or interest only options available.
  • chat icon Chat with a local Our local branches and call centre are ready to help you.

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.

green tick

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

green tick

Ideal for refinancing or buying a new home.

green tick

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.

green tick

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

green tick

Great for those wanting assistance with an existing loan

green tick

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

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

Features

  • Loan features

    Fixed Rate Home Loan overview

    Our Fixed Rate Home Loan offers you the certainty of knowing what your repayments will be for the fixed rate period.

    Lock in a great fixed rate

    Our Rate Lock option allows you to lock in our current advertised rate, protecting you for 90 days against potential interest rate increases while you work toward settling your loan, helping to make your home buying journey just that little bit easier.
    Read our Rate Lock FAQs to find out more.

    Minimum loan amount No minimum
    Maximum loan term 30 years
    Additional repayments You can make regular additional and extra lump sum repayments, up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
    Redraw facility Not available
    Repayment holiday Yes
    Repayment frequency Monthly, Fortnightly or Weekly repayments.
    Repayment options Principal & Interest or Interest Only.
    Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
    Rate Lock Option available for a fee.
    100% Interest offset account Not available
    Mortgage portability Yes
    Maximum loan to value ratio Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest only loans.

  • Featured interest rates & fees

     
    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.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.
    *The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
    Interest rates effective as of 21/11/2024 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 Fixed Rate Investment - Special~ 5.99%p.a. 8.56%p.a.
    1 Year Fixed Rate Investment 6.09%p.a. 8.57%p.a.
    2 Year Fixed Rate Investment - Special~ 5.69%p.a. 8.21%p.a.
    2 Year Fixed Rate Investment 5.79%p.a. 8.23%p.a.
    3 Year Fixed Rate Investment - Special~ 5.69%p.a. 7.93%p.a.
    3 Year Fixed Rate Investment 5.79%p.a. 7.96%p.a.
    4 Year Fixed Rate Investment - Special~ 5.79%p.a. 7.72%p.a.
    4 Year Fixed Rate Investment 5.89%p.a. 7.76%p.a.
    5 Year Fixed Rate Investment - Special~ 5.79%p.a. 7.50%p.a.
    5 Year Fixed Rate Investment 5.89%p.a. 7.55%p.a.
    Interest rates effective as of 21/11/2024 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%.
    Annual Fee Nil
    Establishment Fee $595
    Monthly Fee Nil

    Mortgage Fees & Charges - PDF 113kb  
    Break Costs and Fixed Interest Rate Guide- PDF 189kb  
    Get the facts with our Home Loan Key Facts Sheet.

    View all home loan interest rates

  • Find a lender

    Local lender

    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.

    Search for
    View results as:
    View map

"Based on interest rates, products and flexibility, Newcastle Permanent was way ahead of the other banks for us." -Molly and Michael.

Talk to a lender

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.

Tips on saving through to settlement

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.
Interest rates effective as of 21/11/2024 and are subject to change without prior notice.
*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%.
~~Save up to 10%: [Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply. [Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply. [Motor] The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
&Minimum Premiums: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they're applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won't apply below the minimum amount payable for the policy.
^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