Owner Occupied Variable Rate Home Loan interest rates

Real Deal Home Loan
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^ 7.85%p.a. 8.07%p.a.
Real Deal 8.10%p.a. 8.15%p.a.

Real Deal Home Loan - Interest Only
Real Deal - Interest Only - Special 1 6.19%p.a. 6.11%p.a.
Real Deal - Interest Only - Special 2 7.09%p.a. 6.93%p.a.
Discounted Real Deal^ - Interest Only 8.34%p.a. 8.22%p.a.
Real Deal - Interest Only 8.59%p.a. 8.37%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.
**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.
**Real Deal Interest Only 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 interest only 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 for an owner occupied home with interest only 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 for an owner occupied home with interest only 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 2.40% is deducted from the Real Deal Home Loan – Interest Only interest rate.
•Special 2 – For loans with an LVR of greater than 80%, and less than 90%, a discount of 1.50% is deducted from the Real Deal Home Loan – Interest Only interest rate.
At the end of the Interest Only period, the loan will revert to the relevant owner occupied Real Deal Home Loan interest rate with principal and interest repayments.
Terms and conditions, fees and charges apply.
Interest rates effective as of 22/12/2024 and are subject to change without prior notice.
^ 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.
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 Variable Home Loan
Premium Variable 8.72%p.a. 8.72%p.a.

Premium Variable Home Loan - Interest Only
Premium Variable - Interest Only 9.21%p.a. 8.95%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 22/12/2024 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.

Real Options Home Loan
Real Options 8.50%p.a. 8.55%p.a.

Real Options Home Loan - Interest Only
Real Options - Interest Only 8.99%p.a. 8.77%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 22/12/2024 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.

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