Premium Plus Package Principal and Interest Home Loan interest rates
Premium Plus Package - Discount 1 5.94%p.a. 6.28%p.a.
Premium Plus Package - Discount 2 6.85%p.a. 7.18%p.a.
Premium Plus Package - Discount 3 6.84%p.a. 7.17%p.a.
Premium Plus Package Investment - Discount 1 6.13%p.a. 6.47%p.a.
Premium Plus Package Investment - Discount 2 7.09%p.a. 7.42%p.a.
Premium Plus Package - Discount 1 *** 5.94%p.a. 6.28%p.a.
Premium Plus Package Variable Rate Tier 4 7.57%p.a. 7.89%p.a.
Premium Plus Package Variable Rate Tier 3 7.62%p.a. 7.94%p.a.
Premium Plus Package Variable Rate Tier 2 7.72%p.a. 8.04%p.a.
Premium Plus Package Variable Rate Tier 1 7.77%p.a. 8.09%p.a.
*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 24/04/2025 and are subject to change without prior notice.
***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 1.63% 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 0.72% is deducted from the Premium Plus Package Variable Rate Tier 4.
Terms and conditions, fees and charges apply.
** Premium Plus Package 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
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.
~~Premium Plus Package Variable Rate Investment Discounted interest rates are available for new borrowers applying for a Premium Plus Package Variable Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rates if:
•They have a Premium Plus Package Home Loan for investment purposes 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 investment purposes 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 1.78% is deducted from the Premium Plus Package Variable Rate Tier 4 Investment.
•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 Investment.
Terms and conditions, fees and charges apply.
~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

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