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BSB 650 000

Get up to $3,000 cashback^

When you apply for a new purchase or refinance online.Big moves deserve a big reward

Apply online

^T&Cs and eligibility criteria apply.

Refinance to unlock new possibilities

It’s now easier than ever to refinance your home loan. But how does refinancing benefit you? Here are some of the perks you could be getting:

  • Lower rates that save you money
  • Utilise your equity to negotiate better rates
  • Consolidate your debt and save on interest
  • Borrow a little extra and do some renovations
  • Shop for a great rate after rolling off your fixed rate
  • Better home loan products with some stellar features.

Explore your home loan options today and view our latest rates.

Master your mortgage

It’s easy to look after your mortgage with our app. Take charge of your finances wherever you are. Whether you want to view, schedule, adjust, or edit – do it all with the tap of a button.

Find a home loan Get the app

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.

Refinance and reap great benefits

  • thumbs up icon Your money goes further Great low rates leave you more dollars for your everyday expenses.
  • Access flexible repayments Get comfortable with your repayments. Choose to pay weekly, fortnightly, or monthly.
  • About us Online applications in a snap What’s easier than applying online in only 15 minutes?
  • other income icon Shorten your loan term Make additional repayments and you could save thousands over your loan term.

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

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.
    5.69
    %
    p.a
    7.69
    %
    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.
    5.79
    %
    p.a
    7.97
    %
    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

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.

Learn more about refinancing

Interest rates effective as of 22/12/2024 and are subject to change without prior notice.
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.
~~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