Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 80% | ||
|
|
Owner Occupier | Principal & Interest | 80%-95% | $5,000 | |
|
|
Owner Occupier | Interest Only | < 80% | $5,000 | |
|
|
Owner Occupier | Interest Only | 80%-90% | $5,000 | |
|
|
Investor | Principal & Interest | < 80% | $5,000 | |
|
|
Investor | Principal & Interest | 80%-95% | $5,000 | |
|
|
Investor | Interest Only | < 80% | $5,000 | |
|
|
Investor | Interest Only | 80%-90% | $5,000 |
If you’re after a home loan that offers a bit more than a low rate, then you need to check out the Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package). This packaged loan comes with a competitive 2 year fixed rate of 5.99% (7.76% comparison rate*) for borrowers with an 80% LVR, but this loan has a maximum LVR of 95%, so you’ll be able to borrow with as little as a 5% deposit and receive a still competitive rate.
The Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) is all about delivering great value. With a 3 year fixed rate of 5.99% (7.59% comparison rate*) for borrowers with an LVR of 80%, you can take comfort in always knowing your repayment amount, helping you stick to your monthly budget.
There’s also the flexibility to choose your repayment schedule or to take a repayment holiday if you ever need a break from your loan. And if you want to pay back your loan as fast as possible, there’s free extra repayments (up to $25,000) and the option to split your loan with another Newcastle Permanent home loan.
Now to the good bit. If you sign up to the Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package), you’ll receive a 5% discount on your car insurance and 10% off your home and contents, or landlord insurance. You also won’t have to pay an application fee if you decide to take out a personal or car loan with Newcastle Permanent, or an annual fee on your Newcastle Permanent credit card.
The only thing you’ll need to keep in mind is that the loan does not come with an offset account and has a minimum redraw of $500.
Cashback offer: Loans greater than $500,000 can get up to $3,000 cashback when applying for a new purchase or refinancing (T&Cs apply).
The Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) is packed with value, making it a great choice for a homeowner looking to bundle their products with one lender.
While the Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) is filled with discounts and awesome extras, you will have to budget for a $395 year fee.
Also bear in mind, if you have an LVR between 80% and 95%, you will have to pay Lenders Mortgage Insurance.
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n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.29% (7.97%*) |
|
|
5.99% (7.76%*) |
|
|
5.99% (7.59%*) |
|
|
5.99% (7.45%*) |
|
|
5.99% (7.32%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
none |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback when for refinance or purchase loans of $250,00 -$499,999.99, $3,000 for loan amounts of >$500,000. |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.39% (7.98%*) |
|
|
6.09% (7.78%*) |
|
|
6.09% (7.62%*) |
|
|
6.09% (7.49%*) |
|
|
6.09% (7.40%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.69% (8.01%*) |
|
|
6.39% (7.83%*) |
|
|
6.39% (7.70%*) |
|
|
6.39% (7.60%*) |
|
|
6.39% (7.49%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback when for refinance or purchase loans of $250,00 -$499,999.99, $3,000 for loan amounts of >$500,000. |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.89% (8.03%*) |
|
|
6.59% (7.87%*) |
|
|
6.59% (7.76%*) |
|
|
6.59% (7.67%*) |
|
|
6.59% (7.58%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.39% (8.27%*) |
|
|
6.09% (8.04%*) |
|
|
6.09% (7.85%*) |
|
|
6.09% (7.69%*) |
|
|
6.09% (7.54%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback when for refinance or purchase loans of $250,00 -$499,999.99, $3,000 for loan amounts of >$500,000. |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.49% (8.29%*) |
|
|
6.19% (8.06%*) |
|
|
6.19% (7.88%*) |
|
|
6.19% (7.73%*) |
|
|
6.19% (7.59%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.49% (8.28%*) |
|
|
6.19% (8.05%*) |
|
|
6.19% (7.88%*) |
|
|
6.19% (7.73%*) |
|
|
6.19% (7.59%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback when for refinance or purchase loans of $250,00 -$499,999.99, $3,000 for loan amounts of >$500,000. |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.59% (8.29%*) |
|
|
6.29% (8.07%*) |
|
|
6.29% (7.91%*) |
|
|
6.29% (7.77%*) |
|
|
6.29% (7.63%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert Choice Home Loans Awards
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
The Newcastle Permanent is a strong, trustworthy brand that consistently offers lower rate home loans than the major banks. They do require a higher deposit to start with, and they also work out if you can service the loan more strictly than the banks, but I see these as positives - it means you're definitely not over committing yourself and can make your repayments even if your borrowing capacity is lower than the banks offer. The staff are always friendly too.
Read full reviewThe Newcastle Permanent is a strong, trustworthy brand that consistently offers lower rate home loans than the major banks. They do require a higher deposit to start with, and they also work out if you can service the loan more strictly than the banks, but I see these as positives - it means you're definitely not over committing yourself and can make your repayments even if your borrowing capacity is lower than the banks offer. The staff are always friendly too.
Great Rate Home Loan
6.04% p.a. variable
6.06% p.a.
Home Value Loan
6.14% p.a. variable
6.14% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Great Rate Home Loan
6.04% p.a. variable
6.06% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
Great Rate Home Loan
6.04% p.a.
6.06% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Fixed Rate Loan
6.09% p.a.
fixed 3 years
6.15% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
